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Turning 65 and Medicare Coverage
Medicare and You
You probably never thought about Medicare until you started to get close to age 65. (Don't worry, no one does!)
But making the right Medicare coverage choices might be among the most important decisions of your life.
All of the different choices can seem a little confusing and intimidating, but they don’t have to be.
What is Medicare?
Medicare is the federal health insurance program for people who:
- Are age 65 and older, or
- Are younger than 65 but have specific disabilities, or
- Have end-stage renal disease (permanent kidney failure require dialysis or a transplant)
Medicare parts A & B cover 80% of the cost of Medicare covered services. The remaining 20% is your responsibility. In the table below we have summarized your main options to receive coverage.
Our team is here to help educate you on Medicare and answer your questions. Our service is free to you. Talk to a member of our team
Medicare Part A
(Hospital Insurance)
(Hospital Insurance)
Part A Covers:
- Hospital stays
- Skilled nursing fascilities
- Hospice care
Medicare Part B
(Medical Insurance)
(Medical Insurance)
Part B Covers:
- Doctor services
- Outpatient care
- Prevententive services
- Medical supplies
Original Medicare (also called Traditional Medicare)
Medicare Part D
(Prescription Drug Plans)
(Prescription Drug Plans)
Part D Covers:
- Prescription Drugs not included in part B
Medicare Part C
(Medicare Advantage)
(Medicare Advantage)
Part C Covers:
- Everything covered by part A & B
- Additional benefits not coverd by Medicare (may include Dental, Vision, and Hearing)
- Typically included prescription drug coverage
Medicare timeline - when can I enroll?
3 Months Before
Your 65 Birthday Month
3 Months After
Usually you should enroll in Medicare three months before your 65th birthday. You could also be entitled to special enrollment periods.
What are my different Medicare options after turning 65?
You have two options to receive your Medicare coverage. Both require that you have Medicare Part A and Part B.
| Original Medicare | Medicare Advantage | |||
| Original Medicare Parts A & B | Original Medicare & Medicare Supplement | PPO | HMO | |
|---|---|---|---|---|
| Summary |
Covers 80% of Medicare Approved Services |
Fills gaps in Original Medicare |
Out of network benefits |
Predictable Costs |
| Premium ***Estimated Cost |
Monthly Part B premium (*$144.60) |
Monthly Part B premium (*$144.60) & Cost for **Medigap Plan |
Monthly Part B premium (*$144.60) & Plan Premiums Starting at **$0 |
Monthly Part B premium (*$144.60) & Plan Premiums Starting at **$0 |
| Prescription Drugs |
Not covered |
Requires a PDP at additional cost |
Typically included |
Typically included |
| Network |
Providers that Accept Medicare Assignment (No Referrals) |
Providers that Accept Medicare Assignment (No Referrals) |
Provider Network & Out-of-Network option at higher cost (No Referrals) |
Must Use Provider Network (Referrals may be required) |
| Additional Benefits | None | Limited Benefits | Dental, Vision, Hearing, OTC, Gym and more | Dental, Vision, Hearing, OTC, Gym and more |
| Original Medicare | |
| Original Medicare Parts A & B | |
|---|---|
| Summary | Covers 80% of Medicare Approved Services |
| Premium ***Estimated Cost | Monthly Part B premium (*$144.60) |
| Prescription Drugs | Not covered |
| Network | Providers that Accept Medicare Assignment (No Referrals) |
| Additional Benefits | None |
| Original Medicare & Medicare Supplement | |
|---|---|
| Summary | Fills gaps in Original Medicare |
| Premium ***Estimated Cost | Monthly Part B premium (*$144.60) & Cost for **Medigap Plan |
| Prescription Drugs | Requires a PDP at additional cost |
| Network | Providers that Accept Medicare Assignment (No Referrals) |
| Additional Benefits | Limited Benefits |
| Medicare Advantage | |
| PPO | |
|---|---|
| Summary | Out of network benefits |
| Premium ***Estimated Cost | Monthly Part B premium (*$144.60) & Plan Premiums Starting at **$0 |
| Prescription Drugs | Typically included |
| Network | Provider Network & Out-of-Network option at higher cost (No Referrals) |
| Additional Benefits | Dental, Vision, Hearing, OTC, Gym and more |
| HMO | |
|---|---|
| Summary | Predictable Costs |
| Premium ***Estimated Cost | Monthly Part B premium (*$144.60) & Plan Premiums Starting at **$0 |
| Prescription Drugs | Typically included |
| Network | Must Use Provider Network (Referrals may be required) |
| Additional Benefits | Dental, Vision, Hearing, OTC, Gym and more |
*2020 Part B monthly premium. This amount can be higher based on income.
**This is the monthly premium for the health coverage.
***These costs vary per plan. Speak to a Connie Advisor for details.
Learn more about Medicare
How to Sign Up for Medicare
Learn how to sign up for Medicare
A Guide to Part B
Learn more about Part B of Medicare
Have questions? Our team is here to answer!
We frequently answer questions about Medicare enrollment and eligibility. You don't have to figure it out on your own.
Call us at 623-223-8884 (TTY 711)
About Medicare
Medicare in Arizona
Connie Health’s Medicare website is owned and operated by Connie Health
Inc, a licensed health insurance agency. The website and our content are
for informational and educational purposes to support our mission of
making Medicare less complicated. The purpose of this website is the
solicitation of insurance. We offer plans from a number of insurance
companies. Contact may be made by an insurance agent/producer. Medicare
Supplement insurance plans are not connected with or endorsed by the
U.S. government or the federal Medicare program.
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