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Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, also called ESRD).
To be eligible for Medicare, you must be a U.S. citizen or a permanent legal resident who has lived in the United States for at least five consecutive years.
If you are 65 or older and are already receiving retirement benefits from Social Security or the Railroad Retirement Board (RRB), you are automatically enrolled in Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). If you are not receiving these benefits, you will need to apply for Medicare.
Certain people younger than 65 can also qualify for Medicare. These include individuals with disabilities who have received Social Security Disability Insurance (SSDI) for at least two years, and people with ESRD.
There are four parts to Medicare: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage Plans), and Part D (Prescription Drug Coverage). Most people are automatically enrolled in Part A and Part B when they are first eligible, but they have the option to opt out of Part B if they do not want it. Parts C and D are optional and require people to enroll in them.
Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B (Medical Insurance) covers certain doctors' services, outpatient care, medical supplies, and preventive services
.Part C (Medicare Advantage Plans) is an alternative to Original Medicare (Part A and Part B). These plans are offered by private companies that are approved by Medicare and provide the same coverage as Part A and Part B, but may also offer additional benefits such as vision, hearing, and dental coverage.
Part D (Prescription Drug Coverage) helps cover the cost of prescription drugs. It is offered by private insurance companies that are approved by Medicare.
Medicare beneficiaries can choose to receive their coverage through Original Medicare (Parts A and B) or through a Medicare Advantage Plan (Part C). They can also choose to add a Part D Prescription Drug Plan to their coverage.Sub-headline
The enrollment process for Medicare depends on your individual circumstances. Here are the general steps for enrolling in Medicare:
Determine your eligibility: You are eligible for Medicare if you are 65 or older, or if you are under 65 and have a disability or End-Stage Renal Disease (ESRD).
Choose a coverage option: You can choose to receive your Medicare coverage through Original Medicare (Parts A and B), a Medicare Advantage Plan (Part C), or a combination of both. You can also choose to add a Part D Prescription Drug Plan to your coverage.
Enroll: If you are already receiving retirement benefits from Social Security or the Railroad Retirement Board (RRB), you will be automatically enrolled in Medicare Part A and Part B when you become eligible. If you are not receiving these benefits, you will need to apply for Medicare.
Pay premiums: Most people will have to pay premiums for Part B and, if applicable, Part C and Part D. The amount you pay may depend on your income.
The enrollment period for Original Medicare (Part A and Part B) is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you are not automatically enrolled in Original Medicare, you can enroll during this period.
If you have a Medicare Advantage Plan (Part C) or a Part D Prescription Drug Plan, you can enroll during the annual enrollment period, which runs from October 15 to December 7 each year. You can also enroll during the Medicare Advantage open enrollment period from January 1 to March 31 each year.
If you are eligible for Medicare due to a disability or ESRD, you can enroll during the initial enrollment period, which is a seven-month period that begins three months before the 25th month of disability or ESRD, includes the 25th month of disability or ESRD, and ends three months after the 25th month of disability or ESRD.
It's important to enroll in Medicare when you are first eligible to avoid paying higher premiums or having gaps in coverage. If you have questions about the enrollment process or need help enrolling, you can contact Medicare Options for additional information at
Calls to this number will connect you to a licensed insurance agent
Medicare Advantage Plans
Medicare Advantage plans are plans designed by private insurance companies to cover the original part A and part B but provide additional benefits that original medicare doesnt cover. These plans vary by counties and may not be available in all areas. Clients often call with questions about medicare advantage plans and with so many to choose from it can become confusing at times. a common question is "There are many different types of Medicare Advantage Plans near me how do I know which one to choose?"
You should speak with a licensed health insurance agent who has the knowledge and expertise to navigate the market and find the plan that fits your needs. This is very important. Enrolling into the wrong plan can cost you thousands of dollars.
Shop health insurance plans in your area by entering in your information in the form here and we will begin searching what is available and provide you with a free report on the plans in your county.
What is the cost of the plans?
Often times the plans come with little or no monthly premium depending on the plan you choose. There are often copayments associated with use of the advantage plans and vary between plans. There are also plans designed for people who are on medicaid and medicare. These plans have additional benefits such as no copayments.
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1300 El Paseo Rd Ste E-2 Las Cruces, NM 88001