Here you’ll find a list of frequently asked questions and answers about Medicare.
Medicare es un seguro médico ofrecido por el Gobierno a las personas mayores de 65 años. Algunas personas pueden tener derecho a Medicare antes si padecen una discapacidad o una determinada enfermedad.
Medicare consta de varias partes.
Medicare Part A covers hospital care, including skilled nursing facilities, hospice, and home care.
Medicare Part B covers doctor care, including lab tests, specialists, and outpatient hospital care.
La Parte C de Medicare, a menudo conocida como Medicare Advantage, es otra forma de obtener la cobertura de las Partes A y B de Medicare. Los planes Medicare Advantage son gestionados por empresas privadas autorizadas que deben seguir las normas establecidas por Medicare.
Medicare Part D covers prescription drugs.
Las Partes A, B y D de Medicare (o un plan Medicare Advantage y la Parte D) trabajan conjuntamente para proporcionarle la cobertura sanitaria que necesita.
Por lo general, tiene derecho a Medicare cuando cumple 65 años, a menos que padezca una discapacidad o un problema de salud específico. Puede inscribirse en Medicare a partir del periodo de inscripción inicial, que es de 7 meses, comenzando 3 meses antes de cumplir los 65 años.
Si opta por percibir las prestaciones de la Seguridad Social antes de cumplir los 65 años, quedará automáticamente inscrito en Medicare Parte A y Parte B cuando cumpla los 65 años.
You may have heard that if you do not sign up for Medicare during your initial enrollment period, you will be subject to a late enrollment penalty fee. This is true, but only if you do not have other health coverage that is similar in value to Medicare, such as an employer-sponsored health plan like the health coverage available through Albertsons Companies. If you are over age 65 and still have coverage through Albertsons or a spouse’s employer, you can delay your enrollment in Medicare until your other coverage ends. You can enroll during a Special Enrollment Period.
Visit Medicare.gov and answer a few questions to get started signing up for Medicare.
The best place to start is www.medicare.gov or https://www.medicare.gov/basics/get-started-with-medicare. Another great option is to take advantage of ALEX Medicare – a resource provided to you by Albertsons that can walk you through the whole Medicare process.
After your Initial Enrollment Period is over, you may have a chance to sign up for Medicare during a Special Enrollment Period. For example, if you didn’t sign up for Part B (or Part A if you have to buy it) when you were first eligible because you have group health plan coverage based on current employment (your own, a spouse’s, or a family member’s if you have a disability), you can sign up for Part A and/or Part B:
- Any time you’re still covered by the group health plan
- During the 8-month period that begins the month after the employment ends or the coverage ends, whichever happens first
Try ALEX Medicare to get help with the whole Medicare process, whether you’re ready to sign up now or just looking to understand your options for the future. ALEX Medicare can help you learn about your Medicare eligibility and enrollment dates, how Medicare works with your existing insurance, and your Medicare coverage options and costs. Get started now.
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