The 2012 AEP (annual Election Period) sometimes referred to as open enrollment has not changed. You have from October 15th to December 7 to make changes in your plans. All changes made during the 2012 open enrollment will take effect on January 1, 2013
The Medicare Program is a federally managed health insurance program for people age 65 or older; people under age 65 who have certain disabilities; and people of all ages who have permanent kidney failure requiring dialysis or a kidney transplant (a condition referred to as end-stage renal disease).
Medicare's standard health plan, referred to as Original Medicare, offers two primary types of coverage: hospital and medical.
Part A: Hospital Coverage
Medicare Part A helps cover inpatient care services received in hospitals and critical access hospitals, as well as intermittent inpatient care received in skilled nursing facilities. For those who meet certain eligibility requirements, Part A also covers hospice care and some home health care services. Part A does not cover long term care.
Most people get Part A automatically when they turn 65. If you are disabled, you may be eligible three months before and three months after your 25th month of disability. The plan will notify you when your coverage begins. Part A is available at no cost to people who have worked, or whose spouses have worked, for at least 10 years and have paid Medicare taxes through their employer(s).
Medicare Part B helps cover doctor visits, outpatient care, and some additional services not covered by Part A (such as physical or occupational therapy). It also may cover medically required home health care services.
If you are interested in receiving Part B, you can sign up anytime during a 7-month period that begins 3 months before your 65th birthday. If you are disabled, you may be eligible three months before and three months after your 25th month of disability. Part B requires a monthly payment, or premium, for coverage. Generally, this payment is deducted from your Social Security check. The premium amount you pay is impacted by when you choose to enroll in Part B and is decided each year. In most cases, premium rates will increase by 10% for each full 12-month period that you could have had Part B, but did not enroll. Therefore, it is a good idea to consider enrolling in Part B as soon as you become eligible.
Century Benefits Group Incorporated is a leader in advising retirees in the field of Medicare Insurance. We proudly provide service to all of NY State. This website is being designed to provide information to all of our clients and potential clients. We will continue to build and update this site as a reference point for Medicare Insurance Information and will be making all necessary facts and forms available in the near future .
Part C Medicare Advantage
Medicare Supplement Plans
Part D Prescription Drug Coverage
Premium Pricing And Benefits
To view more detailed information on Original Medicare premiums, benefits and deductibles for 2011 2012 season click on the appropriate link below. To download the entire 2010 Medicare and You book click on the link below or to have a copy sent to you in the mail click here and fill out form completely.
2012 Medicare and You Book