When should I enroll in Medicare?

Your Initial Enrollment Period lasts for 7 months around your 65th birthday. It is recommended to start researching early, about 3 months before that.

Is there a penalty for late enrollment?

It is possible. Part B and Part D have penalties if you enroll late without creditable coverage, and the penalty usually lasts for as long as you have Medicare.

I am still working, do I need to enroll?

It depends on how many employees your company has and the type of insurance you currently have. Please ask your HR department and contact us to review it together before making a decision.

How is Medicare Advantage different from Medigap? (copy)

Medicare Advantage is a private plan that replaces Original Medicare and usually has a network of doctors. Medigap works with Original Medicare to cover remaining costs. You cannot have both at the same time.

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Medicare: understand your options, enroll on time

Turning 65 soon or looking to switch plans? We explain Medicare in Vietnamese, step-by-step, so you can choose with confidence and never miss a deadline.

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When should you learn about Medicare?

If you find yourself in one of these situations:

You are turning 65 in the next few months.

You are still working and are not sure if you need to enroll in Medicare.

You want to review your current plan during the annual enrollment period.

You are not sure about the differences between Original Medicare, Medigap, and Medicare Advantage.

Four options for your old 401(k)

Each option has its pros and cons. There is no one-size-fits-all answer.

Part

What insurance

Note

Part A

Hospitalization costs, short-term nursing care, hospice care.

Many people do not have to pay a monthly premium if you or your spouse have paid Medicare taxes for at least 10 years.

Part B

Doctor visits, outpatient services, lab tests, medical equipment.

Monthly premium applies. Late enrollment may result in a penalty.

Part C (Medicare Advantage)

Plan offered by private insurance companies, as an alternative to Original Medicare, usually including prescription drug coverage.

Usually has a network of doctors. Costs and benefits vary by plan.

Part D

Prescription drugs.

If you do not have equivalent drug coverage when eligible, you may be penalized.

Medigap

Covers a portion of the remaining costs of Original Medicare, such as copayments and coinsurance.

Purchased separately, and not for use with Medicare Advantage.

The Initial Enrollment Period lasts 7 months: 3 months before your 65th birthday month, the birthday month, and 3 months after. The Annual Enrollment Period is from 10/15 to 12/7, with new plans effective from 1/1. If you are currently using Medicare Advantage, you can switch plans or return to Original Medicare from 1/1 to 3/31.

How we support you

Three simple steps, no pressure.

1

Understand your needs

Ask about the doctors you see, the medications you take, and your monthly budget.

2

Giải thích các lựa chọn

Compare the pros and cons of plans in the areas we represent, in easy-to-understand English.

3

Enrollment and reminder support

Guidance on procedures and reminders to review your plan every annual enrollment season.

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Approaching age 65 or looking to change your Medicare plan

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