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How Medicare Works

Learning about Medicare can be a daunting task. But it doesn’t have to be. HAP is here, helping you understand the basics of Medicare (Parts A, B, C and D), the three main types of Medicare (Original, Medicare Advantage, and Supplemental), and the enrollment timeline all the way from signing to switching when a plan doesn’t meet your needs. 

Everyone has different wants and needs. There's no single answer as to which Medicare coverage is best, but HAP can help you find a plan that works for you.

Age

64

Get informed

Learn how Medicare works and research your options. You may even want to join us for a FREE HAP Medicare Seminar.

Age

64

+9 months

Time to enroll

You can enroll as early as three months before your 65th birthday, and up to three months after your 65th birthday.

Age

65

You are Medicare eligible

You can start receiving your Medicare benefits the first day of the month you turn 65. If you haven't already enrolled, time is running out.

Age

65

+3 months

Don't be late!

Most people generally need to enroll in Part B within three months after turning 65 to avoid paying a penalty, and adding Part D (Rx coverage) later will cost you more.

Age

65+

Want to switch?

If your current Medicare plan isn't meeting your needs, you can change plans during the Annual Enrollment Period in the fall of each year.

Not ready to retire?

If you plan on working past the age of 65, you may have options for how or when to receive your benefits. Before making any decisions, here are a few details to keep in mind:

Now that you have a better understanding of Medicare, let's explore your options with HAP

Health Alliance Plan (HAP) has HMO, HMO-POS, PPO plans with Medicare contracts. HAP Medicare Complete Duals (HMO D-SNP) is a Medicare health plan with a Medicare contract and a contract with the Michigan Medicaid Program. Enrollment depends on contract renewals.

Have Medicare questions?

(800) 868-9885 (TTY:711)

Monday-Friday; 8 am to 8 pm