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.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:
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If you're keeping coverage through your employer (or your spouse's employer)
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If you're NOT keeping coverage through your employer (or your spouse's employer)
