Turning 65 is a major milestone, and understanding your Medicare options can make the transition smoother. If you're looking for turning 65 Medicare help Springfield, here’s a clear, local-focused checklist to guide you through your timelines and coverage choices.
Know Your Enrollment Timeline
Your Initial Enrollment Period (IEP) is a seven-month window: the three months before your 65th birthday, your birthday month, and the three months after. Enrolling early helps you avoid delays or gaps in coverage, especially if you plan to retire around your birthday.
Sign Up for Medicare Parts A and B
Most people qualify for premium-free Part A, which covers hospital care. Part B covers doctor visits, outpatient care, and preventive services. If you aren't receiving Social Security benefits yet, you’ll need to enroll manually. Signing up before your birthday month ensures your coverage starts on time.
Compare Medigap and Medicare Advantage
After enrolling in Parts A and B, you’ll choose between a Medicare Supplement (Medigap) plan or a Medicare Advantage plan. Medigap helps cover the out-of-pocket costs Original Medicare doesn’t pay and offers freedom to see any doctor who accepts Medicare. Medicare Advantage combines your coverage into one plan with extras like dental, vision, and hearing—often with lower premiums but more defined networks.
Don’t Forget Part D
If you choose Medigap, you’ll need a separate Part D prescription drug plan. Compare formularies, pharmacy networks, and monthly premiums to ensure your medications are covered at a reasonable cost. If you choose Medicare Advantage, drug coverage is typically built in.
Review Local Springfield Provider Networks
Whether you're exploring Medigap or Medicare Advantage, it’s important to make sure your doctors and preferred hospitals—like CoxHealth and Mercy in Springfield—are covered under the plan you choose.
Get Personalized Guidance
Everyone’s situation is different. The Advocate Group is here in Springfield to walk you through your timeline, review your doctors and prescriptions, and help you compare your options confidently.