Medicare Part A: Costs and Coverage

Medicare is split into two parts: Part A covers hospitalization services and Part B covers day-to-day medical care.

Medicare Deadlines Cheatsheet

Remembering every deadline for Medicare Part A and B, Medigap (Medicare Supplement), Medicare Advantage and Drugs is just too difficult. That's why we at Senior65.com have come with this cheatsheet that will help you easily find the deadline you're looking for. We have broken up the deadlines into two parts: Initial Enrollment (when you are first eligible) and Special Enrollment (when you are allowed to enroll AFTER initial enrollment because of special circumstances such as existing coverage from work).

Does Medicare cover Hospital Care?

Hospital care usually has considerable cost, and it leaves seniors wondering what is covered and what they will have to pay for. That's why Senior65 is making this Medicare guide to Hospital Coverage.

Natural Disaster Medicare Special Enrollment Program

CMS will provide a Special Enrollment Period (SEP) for individuals affected by severe storms, flooding, straight-line winds, and tornadoes who need to enroll in, disenroll from or switch Medicare health or prescription drug plans and have missed another enrollment period (i.e., either aging in or a SEP). This opportunity will be available in areas for which the Federal Emergency Management Agency (FEMA) has declared an emergency or major disaster and FEMA has determined they are eligible for Public or Individual assistance. It is available at the start of the incident period and runs for 4 full months.

Does Medicare Cover Hearing Aids?

Hearing aids may seem unaffordable to many seniors, leaving them wondering if Medicare covers the costs. And, if not, how will they pay for their hearing aid costs, that can range to several thousand dollars.

Medicare’s Initial Enrollment Period Explained

It is important to know how the dates work when enrolling in Medicare to get the most out of it. Initial enrollment in Original Medicare, Part A or Part B, happens automatically if you are about to turn 65 and already getting Social Security or Railroad Retirement Benefits. If not, you will need to sign up for Medicare Part A and/or Part B during the Initial Open Enrollment.

What if I have Medicare then Return to Work?

To add up to the Medicare confusion comes this question: "What happens if I enroll in Medicare, then go back to work using my employer's insurance, then leave work again?" Well it is more simple than it sounds. It follows the same rule as if you had left work coverage after turning 65. You get a Special Enrollment Period which you can use to enroll back into Medicare.

Does Medicare cover Diabetes Treatment and Supplies?

Having Diabetes usually leaves seniors confused about what Medicare covers. With all the drugs, supplies and various other needs, it can all become quite a mess. Here you will find the answers to how Medicare covers Diabetes Treatment and Supplies.

What if I missed my Medicare deadline?

In the event that you missed your Initial Enrollment Period (IEP) and need to enroll in Medicare, don't despair. You can still enroll during Special Enrollment Period (SEP) or the General Enrollment Period.

Medicare Special Enrollment: Everything you need to know

There are special circumstances often referred to as Guaranteed Issuance that will allow you to enroll in Medigap with no health questions asked. You can also modify your Medicare Advantage coverage or your Medicare Part D Drug coverage during this time. These opportunities are called Special Enrollment Periods (SEPs) and they are outlined below:

Leaving Employer’s Insurance and Enrolling in Medicare Part B

It is more and more common for people to keep working beyond age 65 due to their Employer-Sponsored Insurance. Senior65 generally recommends those over 65 to delay enrolling in Medicare part B if they are offered coverage through work (including spouses work). We all want to stay clear of paying Medicare late-enrollment penalties while avoiding gaps in coverage. This is where Senior65 comes in to make sense of it all.

Who is Senior65 and Why Are We Doing This?

Recently we received the following message similar to others we have received over the years. We though we would post our exchange to give everyone a better understanding of Who is Senior65 and how we work.