October 15 – December 7: Annual Enrollment Period is here:
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Medicare
Start your Medicare journey with confidence
Navigate Medicare with Confidence: Your UCCU Insurance Services Licensed Medicare Agents
Whether you’re approaching 65, retiring, or qualifying through disability, our experienced team will help you understand your options and find the right coverage for your needs. Not only will we help you get started, but we will be here throughout your Medicare journey providing quality support, protection from fraud, and provide answers to any questions along the way.
Understanding Your Medicare Option
- Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, and hospice care
- Part B (Medical Insurance): Covers outpatient care, medical supplies, and preventive services
- Part C (Medicare Advantage): Combines Parts A and B, often including additional benefits like dental and vision
- Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications
Initial Enrollment Period (IEP):
Are you turning 65 soon? It may be time to start your enrollment period. This enrollment spans 7 months.
- 3 months before your 65th birthday month
- Your birthday month
- 3 months after your birthday month
Get Started and we can help connect you with one of our Medicare experts who can help answer questions such as covered medications, monthly premiums, healthcare services costs, and much more.
Annual Enrollment Period (AEP):
Begins October 15 – December 7 each year:
- Change Medicare Advantage plans
- Switch between Original Medicare and Medicare Advantage
- Join, switch, or drop Medicare drug coverage
Special Enrollment Period (SEP):
If you’re working past 65 with employer coverage or have a qualifying disability or life event:
- 8 months following retirement or loss of coverage
- Begins the month you stop working or lose coverage
There are two main types of Medicare Special Enrollment Periods. If you have a qualifying disability or life event or working past 65 with employer coverage.
Qualifying Life Events (2 months)
- Allows people who already have Medicare to switch Medicare Advantage or Part D plans
- Qualify
- Moving out of plan’s service area
- Plan closure or significant network reduction
- Enrolling in a 5-star plan
- Moving in/out of a qualified facility like a nursing home
- Gaining/losing eligibility for Medicare financial assistance or a State Pharmaceutical Assistance Program
- Enrolling in/leaving a Special Needs Plan or PACE program
Working Past 65 (8 months)
- Allows people who have delayed Medicare due to creditable employer coverage to enroll in Parts A, B, C and D
- 8-month period starts the month you stop working or lose coverage
- For Part D (or Medicare Advantage with drug coverage), you only have the first 2 months to enroll without penalty
The key differences are the qualifying events and the enrollment timelines. The “Qualifying Life Events” SEP is 2 months, while the “Working Past 65” SEP is 8 months for initial enrollment, but only 2 months for Part D/Medicare Advantage.
How UCCU Can Help
- Complimentary consultation with licensed Medicare agents
- Personalized plan comparisons
- Assistance with enrollment process
- Regular Medicare seminars and workshops
- Ongoing support after enrollment
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Frequently Asked Questions
What is Medicare and who qualifies?
This is a federal health insurance program primarily designed for people aged 65 and older, though certain younger individuals may qualify through disability. The program consists of different parts (A, B, C, and D) that cover various aspects of healthcare. You generally qualify if you’re 65 or older and either a U.S. citizen or permanent legal resident who has lived in the United States for at least 5 years. You may also qualify if you’re younger and have certain disabilities, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s disease). Most people become eligible for premium-free Part A if they’ve worked and paid the taxes for at least 10 years.
What is the difference between Medicare and Medicaid?
Both programs are distinct government healthcare programs serving different populations. Medicare is a federal program primarily for people 65 and older, regardless of income, and is funded through payroll taxes and premiums. Medicaid, on the other hand, is a joint federal and state program that provides health coverage to eligible low-income individuals of any age. While Medicare has standard enrollment periods and coverage options nationwide, Medicaid eligibility and benefits can vary by state. Some people may qualify for both programs (called “dual eligibility”), which can provide more comprehensive coverage than either program alone.
Does Medicare cover dental services?
Parts A and B (see above) generally doesn’t cover routine dental care, including cleanings, fillings, tooth extractions, or dentures. However, they may cover certain dental services if they’re required as part of another covered medical procedure, such as jaw reconstruction following an injury. Advantage plans (Part C) often include dental coverage as an additional benefit, though coverage levels vary by plan. Many beneficiaries choose to either enroll in an Advantage plan with dental coverage or purchase separate dental insurance to ensure they have comprehensive oral health coverage.
How do I apply for Medicare?
Applying can be done in several ways. If you’re already receiving Social Security benefits, you’ll typically be automatically enrolled in Parts A and B when you turn 65. If not, you can apply online through the Social Security Administration website, by calling Social Security directly, or by visiting your local Social Security office. The best time to apply is during your Initial Enrollment Period, which begins three months before your 65th birthday. UCCU’s licensed agents can help guide you through the application process and ensure you understand all your coverage options.
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UCCU Insurance Services (UCCUIS) does not offer any proprietary products. We offer a range of products from respectable insurance companies. The products or services on this page are not NCUA insured, have no credit union guarantee, may lose value, are not insured by any federal agency, are not a bank deposit.
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