Before you get started, here are some important words you should know:
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A percentage of the cost you pay when you receive covered services (for example, 20%).
A set amount you pay when you receive a covered service or supply (for example, you may have a $5 copay for a doctor’s visit).
A set amount you pay for covered services before your plan begins to pay. Not all plans have a deductible, and not all services apply.
This is the most you will have to pay during the coverage year for covered medical services. Once you reach this limit, your plan will pay all costs for covered medical services.
A doctor, hospital, facility, or other provider that participates in the UPMC for Life network.
A doctor, hospital, facility, or other provider that does not participate in the UPMC for Life network.
A type of Medicare Advantage plan that uses a network of participating doctors and hospitals for your care and coverage.
A type of Medicare Advantage plan that offers coverage for services received both in and out of the plan’s provider network.
When can I enroll in Medicare?
Generally, you can enroll in Medicare if you are a U.S. citizen or lawfully present in the United States and turning 65. If you are turning 65 and will be eligible, you have seven months to enroll in Medicare Parts A and B. Your Medicare enrollment timeline includes:
- Three months before the month of your 65th birthday.
- The month of your 65th birthday.
- Three months after the month of your 65th birthday.
If you currently get your health care benefits through your employer, make sure to talk to your employer. Your employer can help you understand what you need to do before you retire.
Who is eligible for Medicare?
Medicare is a federal health insurance program. To qualify you must be a U.S. citizen or lawfully present in the United States. You must also:
- Be age 65 or older, or
- Be under age 65 with certain disabilities, or
- Have permanent kidney failure requiring dialysis.
Are you turning 65 or retiring soon?
If you are turning 65 or retiring soon, there is something important you should do: Enroll in Medicare Parts A and B. Your age and retirement date determine whether you are eligible for a Medicare plan. These factors may affect when you can enroll in Medicare.