Simple is better. Especially when it comes to Medicare.
Medicare can seem complicated, so here’s an easy-to-understand overview to get you started. We’ll help you understand how Medicare works, what’s covered and what’s not, your options, and important deadlines. Click on any of the topics to the left to learn more.
As always, if you want more detail, you can speak to one of our Benefits Consultants at 1-888-492-8633 (TTY 711) October 1- March 31, 7 days a week, 8 am - 8 pm April 1-September 30, Monday-Friday, 8 am – 8 pm, or visit www.medicare.gov.
What is Medicare?
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Signing up for Part A & Part B
Some people get Part A & Part B automatically
- I'm already getting benefits from Social Security or the Railroad Retirement Board (RRB).
- I'm under 65 and have a disability.
- I have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig's disease).
- I live in Puerto Rico and get benefits from Social Security or the RRB.
If you're automatically enrolled, you'll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday or your 25th month of disability.
Some people need to sign up for Part A & Part B
You need to sign up for Part A and Part B if you aren't getting Social Security or RRB benefits (for example, because you're still working).
When you first get Medicare
When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.
For example, if you're eligible for Medicare when you turn 65, you can sign up during the 7-month period that:
- Begins 3 months before the month you turn 65
- Includes the month you turn 65
- Ends 3 months after the month you turn 65
In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You'll have to pay this penalty for as long as you have Part B and could have a gap in your health coverage.
Your Medicare Coverage Choices
There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Step 1: Decide if you want Original Medicare or a Medicare Advantage Plan (Iike an HMO or PPO)
Step 2: Decide if you want prescription drug coverage (Part D)
Step 3: Decide if you want supplemental coverage
AvMed Medicare is an HMO plan with a Medicare contract. Enrollment in AvMed Medicare depends on contract renewal.
Address: 9400 S. Dadeland Blvd. Miami, FL 33156
Prospective Members: 888-492-8633 (TTY 711)
Current Members: 800-782-8633 (TTY 711)
October 1–March 31, 8 am-8 pm, 7 days a week.
April 1–September 30, 8 am-8 pm, Monday-Friday, Saturday 9 am-1 pm.
H1016_AD832-092018. Last updated October 1, 2018.