Most people who’ve worked and paid taxes become eligible for Medicare when they turn 65. Some people may qualify before age 65 due to illness or disability.
If you’re ready to explore your Medicare options, you can visit Medicare.gov to verify your eligibility. It’s quick and easy.
Some people are automatically enrolled in Medicare Part A (hospital insurance) and Medicare Part B (medical insurance), while others have to sign up for it. In most cases, it depends on whether you’re getting Social Security benefits.
While Medicare is managed by the Centers for Medicare & Medicaid Services (CMS), Social Security works with CMS by enrolling people in Medicare.
Medicare Advantage continues to grow rapidly throughout the country.
One reason is the low premiums—as low as $0 for plans that may include coverage for prescription drugs and dental, vision and hearing care—all benefits that are not provided by Original Medicare.
If you’re thinking about changing from Original Medicare to a Medicare Advantage plan such as Clear Spring Health, keep the dates listed below in the “Medicare at a Glance” section in mind.
Even if you’re under 65, you may still qualify for Medicare benefits. Most people assume you must be 65 to sign up for Medicare, but there are exceptions:
Most people who’ve worked and paid taxes for a certain amount of time don’t have to pay a premium for Medicare Part A (hospital coverage).
With Part B, which covers things like doctor visits, lab tests and preventive services, most people have to pay a monthly premium.
If you’re disabled but still covered under your own or a qualified family member’s employer plan, you may want to keep that coverage and postpone enrolling in Medicare Part B to postpone paying the premium. Your Part B premium won’t begin until your Part B benefits do.
Learn more about your options at HealthCare.gov.
Many people keep working after they turn 65 and choose to keep their coverage under their employer’s group plan. But if you’ve been paying into Medicare via payroll deductions, you should consider enrolling in Medicare Part A (hospital insurance) when you first become eligible, as you’ll pay no premium.
For Part B (medical insurance), most people need to enroll when they turn 65 to avoid a late-enrollment penalty. Those who have health insurance from their (or their spouse’s) current employer may be able to delay enrolling in Part B – and delay having to pay the monthly Part B premium. In 2022, that premium is $144.60 per month (or higher depending on your income).
Before making any decisions, talk with your company’s benefits administrator to find out if and how your current health plan coordinates with Medicare.
There are three enrollment periods during which you can enroll in a Medicare Advantage Prescription Drug (MAPD) plan or a stand-alone Prescription Drug Plan (PDP) for the first time or change your plan.
Our MAPD Provider Directory includes thousands of primary care physicians (PCPs) and specialists across our service area of select counties in Colorado, Georgia, Illinois, South Carolina, and Virginia.
Due to the directory size we recommend using the Provider Search above to more accurately locate the providers in your area. However, if you still prefer a printed copy, please contact Member Services at 1 (877) 364-4566.