Medicare Health Plans

Part A: Hospital Coverage - no cost for most people
Part B: Medical Coverage (80%) - cost is $164.90 per month for most people in 2023
Part C: Medicare Advantage - cost varies by plan (as low as $0)
Part D: Prescription Drug Coverage - cost varies by plan

If you are already receiving Social Security benefits, you will automatically be enrolled in Parts A & B. You can decline this enrollment if you wish to.

If you are not receiving Social Security benefits, you can enroll in Parts A & B 3 months before your 65th birthday, and they would be effective for the first day of your birth month. Example: If your 65th birthday is August 12th, you would be able to apply as early as May 1st, and your Parts A & B would be effective on August 1st.

If you have enrolled in Parts A & B, you can also enroll in a Medicare Advantage (Part C) plan OR a Medigap (Supplement) plan, which can start as early as the first day of the month you turn 65.

If you qualify for Social Security Disability and you have been on it for 24 months or more, you may qualify for Medicare coverage even if you are younger than 65.

• In most cases, you can stay on your employer plan if you wish to.
• You can be enrolled in an employer plan AND Medicare Parts A & B. They will work together to provide more coverage.
• It is also an option to disenroll from your employer plan and enroll in Medicare.

If you qualify for Medicare and your income is below 150% of the federal poverty level, you may qualify for a Low Income Subsidy (LIS) from the government to help pay for your prescription drugs.

There are also many other assistance programs available to help with the cost of prescription drugs. Visit our Health & Prescription Discount Programs page for more information on some of these programs.

Original Medicare (A & B) covers medically necessary dental; it does NOT cover routine or comprehensive dental services. Medically necessary dental includes dental reconstruction needed as a result of surgery (ie. facial tumor removal), stabilization of teeth for reduction of jaw fracture, and tooth extractions to prepare the jaw for cancer treatment.

Medicare Advantage plans MAY cover routine and comprehensive dental services.

Most individuals will pay the standard amount for Part B and the assigned plan premium for their Part D coverage. However, those who have higher incomes may have an adjusted, higher monthly premium amount for Part B and an additional amount added to their Part D premium.
The income amount used to determine IRMAA is the modified adjusted gross income, as reported on your IRS tax return from 2 years ago.