COH_Medicare-Brochure

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Connect One Health is your expert at guiding you through the Medicare health plan maze. We are here to help you understand your choices and answer all of your questions about Medicare, Medicare Advantage, and the Prescription Drug plans. We can help you with questions about Supplemental Insurance, and Medicare B. We are patient, and we explain things in plain English.

There are several ways to contact us. You can call us toll free at 1-877-766-4448 to talk with one of our helpful professionals. You can also chat live with one of professionals through our Internet Chat link. We are here to make this easy for you. Contact us today.

Questions? Call Us at 1-877-766-4448

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Medicare: Basics

Quick FAQ

Am I Eligible for Medicare?If you are age 65 then you are probably eligible for Medicare. If you have a qualifying disability then you may also qualify for Medicare. For either case, you must be a U.S. citizen or a permanent resident of more than 5 years to qualify for Medicare once you are age 65.

If you do have a qualifying disability or illness and have been disabled for more than 24 months then you should also qualify for Medicare. The enrollment process is usually automatic, but in some cases you must enroll yourself. If you want to qualify for Medicare C or Medicare D you must first be qualified for, and enrolled in Medicare part A and B.


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Employer Prescription Coverage: Does it work with Medicare?Medicare requires that every Medicare beneficiary be enrolled in a qualifying Prescription Drug Program. Those would be:

  • Medicare part D (PDP)
  • Medicare Advantage Prescription Drug Program (MAPD)
  • A qualifying Employer or Union Prescription Drug Program.
A qualifying Employer or Union Prescription Drug Program must be as comprehensive in coverage as Medicare part D. If your employer, past employer or Union offer a qualifying Prescription Drug Plan, then you do not have to enroll in Medicare part D. You will not be assessed the late enrollment penalty so long as the plan is in place. You CANNOT go more than 63 days without a Prescription Drug Plan.

If you do you will be assessed the late enrollment penalty when you sign up for Medicare Part D. Once you qualify for Medicare part A you can sign up for Medicare part D during open enrollment periods, which are usually January 1 through February 15 of each year.


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Accessing Medicare Benefits: What happens after I Enroll?The big change occurs about three months before your Medicare Eligibility Date. You should receive your official Medicare card in the mail. If you do not receive a Medicare card in the mail within 60 days of your Eligibility date, call Medicare at 1-800-Medicare and let them know you have not yet received your Medicare card.

Most people are enrolled in Medicare automatically when they begin to draw their social security or when if they have been disabled for 24 months. If you need to enroll in Medicare you can do so online at Medicare.gov. It is important that you enroll before you eligibility date. There are penalties and are applied and for Medicare Part B those additional costs are extend for your lifetime.

Once you receive your Medicare cards examine the cards and make sure that your name is spelled correctly. The cards will also indicate when your coverage starts. Once your eligibility date has occurred you may use your Medicare benefits.

Questions? Call Us at 1-877-766-4448

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What is Medicare Part D?Medicare Part D is the Prescription Drug plan that works with both Medicare A and Medicare C (Medicare Advantage.) Though Medicare C plans almost always have a prescription drug plan associated with them. Medicare D is not issued by the government it is bought from private insurance companies.

Medicare D prescription drug plans all must meet a set of criteria in terms of what they offer, but the plans are not identical. They differ in price and what they offer.

Things to be aware of are deductibles, co-payments, and how each plan works with co-insurance. Another consideration is whether or not there is an Annual limit on how much your Medicare D plan will cover. IF you max out an annual limit you will have to pay full price for medications for the rest of the year.

Medicare D works like other insurance plans. You will pay full price for medications until your annual deductible is met. Once the deductible is met your cost for medications will be reduced to a co-pay. You will likely receive a monthly premium to pay to keep coverage in place.

Questions? Call Us at 1-877-766-4448

Our staff is ready to answer all your questions.


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