Health Insurance Changes When You Turn 65 | News, Sports, Jobs


Query: I even have a medical insurance through NY Health Exchange (Marketplace) Plan. I’m turning 65 in September, do I want Medicare? My spouse also has a Marketplace plan, but is younger by two years.

Answer: The Inexpensive Care Act and the Marketplace Exchange has modified the way in which lots of us get our insurance. Let’s answer your questions. There are some general rules about these Exchange plans and Medicare. The Inexpensive Care Act (ACA) requires all residents to have medical insurance from some source. Your current policy is a Marketplace Plan. As you age into Medicare your insurance must switch to a Medicare plan and your Marketplace Plan must be cancelled.

If you end up turning 65, Medicare begins the primary of your birthday month, with one exception. When your sixty fifth birthday is on the sixteenth of September, your Medicare coverage will begin 9-1-22. In case your sixty fifth birthday is on the first of September, your Medicare coverage will begin 8-1-22.

The Initial Enrollment Period (IEP) for Medicare is the three months before your birthday month, the month of your birthday, and the three months after. Using the previous September sixteenth birthday scenario, the three months before are August, July, and June. That is the time to judge insurance options and alternatives and make sure you’ve gotten signed up for Medicare. Since you’ve gotten a Marketplace Plan you MUST join for Medicare A & B.

The initial join for Medicare begins on the Social Security Administration (SSA). Once you’ve gotten signed up for Medicare, you possibly can research and evaluate medical insurance plans that give you the results you want. (Part D drug coverage, Supplemental plans, Medicare Advantage plans, etc.). SSA is not going to assign or enable you to with a health plan. To join Medicare, you should use the website, call SSA at 1-877-379-3079 (Jamestown) or 1-800-772-1213 (national), or go to the SSA office (321 Hazeltine Ave. Jamestown).

Your Marketplace plan should stop and you’ll have to decide on a Medicare option. A number of the Marketplace plan Firms are very proactive and mail you information prompting you join for Medicare. Others don’t do job of managing this required change. The time too research options related to Medicare is now. Whenever you evaluate your insurance options, make sure you’re reviewing Medicare plans, not Marketplace plans.

It could appear as if everyone knows your sixty fifth birthday is coming up, with lots of mail from insurance firms of all sorts. Review the data that’s mailed to you from firms which might be offering plans. Additionally they can have local offices or representatives that can come to or call your private home. You’ve got access to the website where information is out there about all of the plans in your region. You too can call 1-800-MEDICARE (633-4227) and talk with the shopper service staff. The web site and the 1-800 number can be found 24 hours a day, seven days every week. You furthermore may have resources available like Office For the Aging, or Southwestern Independent Living Center as unbiased sources of Medicare Insurance information. Senior Life Matters staff can even assist you.

There are a lot of Medicare Health Insurance options available. That makes it confusing, however it also means yow will discover a product that’s just what you would like to your individual situation. You furthermore may could also be pleasantly surprised by the fee of your insurance options. I think that Medicare could be very reasonably priced and the insurance products available to it’s possible you’ll cost lower than you’re currently paying AND be more comprehensive than your current Marketplace Plan. So don’t worry!

Original Medicare consists of Part A & B. You can even must add a Part D plan (Prescription Drug Coverage). You could possibly stick with Original Medicare, add on a Medicare Complement Plan and a Stand Alone Part D plan. You could possibly also enroll in Medicare A & B after which opt to do a Medicare Advantage Plan that will include your Prescription Drug coverage. There are plenty of options!

You furthermore may asked “What is going to your spouse do?” Your spouse will not be yet 65 and due to this fact not eligible for Medicare. The Marketplace plans can proceed to be their insurance coverage. You’ve got a special timeframe to alter your insurance because you’re turning 65!

Everyone must have the chance to buy good and useful health Insurance. It’s my hope that these resources will likely be useful to you.

Senior Life Matters is a community based program sponsored by Lutheran Jamestown. For questions and concerns or to achieve Janell Sluga, GCMC, call 716-720-9797 or email

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