New to Medicare
When it comes to Medicare, one size definitely doesn’t fit all. What works for your neighbor may not be the best fit for you. As a UnitedHealthcare® licensed sales agent, I’m here to help you understand your needs, explain your options and make Medicare as simple as possible to understand.
Getting started.
There’s a lot to learn once you start exploring Medicare and the many options available. Here are some tips to help you get started with Medicare coverage.
- Call Social Security to confirm your eligibility. If you’re already collecting Social Security, you’ll automatically be enrolled in Medicare Parts A and B when you turn 65.
- If you’re employed, ask your employer about company‑sponsored health benefits.
- Visit MedicareMadeClear.com to learn the basics of Medicare as well as other helpful information.
- To learn whether you’re eligible for financial help with the costs of Medicare, call your state’s Medical Assistance or Medicaid office.
Medicare choices.
After you enroll in Original Medicare (Parts A and B), there are 2 ways to get additional coverage since
Original Medicare doesn’t cover all medical expenses and doesn’t cover prescription drugs.
Your Medicare Planning Checklist
6–8 months before: Research.
- Learn about Medicare basics, including plan types and eligibility.
- Start receiving our helpful emails, which provide important dates, resources and steps to enroll when you’re ready.
4–5 months before: Prepare.
- If you’re collecting Social Security benefits, you should be automatically enrolled in Medicare Parts A and B.
- If you’re not collecting Social Security benefits, contact your local Social Security office to enroll in Medicare Parts A and B.
- If you’re switching from an employer‑sponsored health care plan, contact the benefits administrator to learn what you may need to do.
2–3 months before: Enroll.
- Watch for your Medicare card to arrive in the mail. You’ll need it to enroll in a UnitedHealthcare Medicare plan.
- Call me for answers to your questions or to set up a one-on-one meeting to help you enroll. Call (888) 850-2844 to get started.
- Attend an informative meeting. Call me for meeting details.
- Compare the benefits and costs of the plans available in your area.
On or after your birthday: Don’t delay.
Enrolling before your birthday month ensures you have a Medicare plan on the first day of the month you turn 65. Your Initial Enrollment Period (IEP) starts 3 months before the month you turn 65 and ends 3 months after. Be sure to enroll during your Initial Enrollment Period to avoid the late enrollment penalty. As soon as you’re ready to enroll, I’m here to help.
When To Enroll In Medicare
Learning about Medicare can be a long process. As a UnitedHealthcare® licensed sales agent, I’m here to help you understand your needs, explain your options and make Medicare as simple as possible to understand.
Know when to enroll in Medicare.
You have a 7-month window to enroll. When you turn 65, you’ll have your Medicare Initial Enrollment Period (IEP). It begins 3 months before the month you turn 65 and ends 3 months after your birthday month, giving you a 7-month window. If you don’t have other health coverage and don’t sign up for Medicare during your IEP, you may pay more when you finally do enroll in Medicare.
Working after 65. If you plan to work past age 65, you can also enroll in a Medicare Advantage plan or prescription drug plan up to 2 full months after the month your employer’s health insurance ends. Keep in mind, you must be enrolled in Original Medicare (Part A and Part B) to be eligible for a Medicare Advantage plan. Check with your human resources department and do some research to see if you could save money on Medicare when you turn 65, even if you do continue to work.
Finding insurance for a younger spouse.
Many couples get their health insurance through one partner’s employer. If that partner retires at age 65 and enrolls in Medicare, a younger spouse — and any dependents — may be left without coverage.
Here are some alternative health insurance options for younger spouses:
- COBRA temporary insurance: This provides continued employer benefits for up to 18 months if you pay the full premium.
- Individual insurance: You can purchase it from a private insurance company.
- Group health plans: Some organizations offer group health plans to their members.
- HIPAA-protected insurance: These plans don’t exclude coverage for pre-existing medical conditions.
Compare your coverage.
Original Medicare doesn’t cover all medical expenses and doesn’t cover prescriptions.
Prepare To Enroll in Medicare
When choosing a Medicare plan, think UnitedHealthcare.®
Now that you’ve done your research on Medicare in general, it’s time to take a closer look at which plan would be a good fit for you. As a UnitedHealthcare licensed sales agent, I’m here to answer your questions and help you choose a plan that fits you best.
UnitedHealthcare offers a broad range of Medicare products that provide you options designed to fit your health care needs. With these plans, you can enjoy more than just great benefits.
You get a member experience focused on your needs, including:
A health care company you can rely on.
More people choose UnitedHealthcare for their Medicare coverage than any other company. And we’ve been serving the health care needs of people just like you for more than 40 years.
Customer service that puts you first.
Compassionate Customer Service representatives can answer questions, schedule appointments and help you manage your health.
Member-only Health & Wellness Experience.
Renew by UnitedHealthcare offers you access to tips, tools, resources and rewards to help you live your best life at no additional cost.
Get more with Medicare Advantage.
A Medicare Advantage plan offers all your benefits in a single convenient plan, including all of your Original Medicare benefits and often extra benefits like prescription drug coverage and routine vision and dental care. Our goal is simple: to help you enroll in a Medicare Advantage plan that fits your needs, so you can keep living your life and doing all the things you most enjoy.
Prepare to enroll.
Complete this worksheet before meeting with me so we can determine if all your doctors and prescriptions are covered by the health plans you’re considering.
Avoid a late enrollment penalty.
Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday, includes the month that you turn 65, and ends 3 months after your birthday month. Missing your Initial Enrollment Period can be costly. Medicare Part A, Part B, and Part D (prescription drug coverage) may charge premium penalties if you miss your initial enrollment dates, unless you qualify for a Medicare Special Enrollment Period. If you’re working past 65, you may be able to delay enrolling in Part B — and postpone paying the premium — without penalty.
Ready to enroll in a Medicare plan? I’m here to help.
Alan Abraham
Licensed Sales Agent
(888) 850-2844, TTY 711
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Houston, TX 77074
Toll-Free: 888-850-2844