2019-04-23 14:54:58+00:00


Everybody likes having choices. But, sometimes too many choices can be overwhelming.  That’s why making decisions about health coverage can be pretty daunting.  Since many people have had the same type of commercial insurance through their employers for years, it’s natural for people to feel confused in figuring out their options once they’re eligible for Medicare.

Most people obtain Medicare once they turn age 65.  However, there are other reasons that make people eligible at a younger age, such as having a qualifying disability or experience another situation.

For those who are approaching the magic age of 65, here’s a quick primer about Medicare.

First, before making any decisions about Medicare coverage, look at your current health care coverage.  If you’re covered through an employer or union, check to see if you are able to continue that coverage or if it’s better to opt out of that coverage and select a Medicare plan. 

Once you know you need Medicare coverage, you have two Medicare options: Original Medicare, which consists of two parts, A and B, or Medicare Advantage (also known as Part C).  More on the types of Medicare coverage later.   

Within these two options, you have many choices: prescription drug coverage (Part D), supplemental coverage and more.  To decide which is right for you...

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By Cathy Aquino, Director of Government Sales, Independent Health