Medicare Eligibility

Are you turning 65 soon? Or will you be retiring soon?

If you are turning 65 or retiring soon, there is something important you should do: enroll in Medicare. Both of these events mean that you may now be eligible for a Medicare plan. Joining Medicare can seem confusing. UPMC for Life can help you get answers to your questions about signing up for Medicare and give you personalized help with your health care options.

When Can I Enroll in UPMC for Life?

If you are turning 65 and will be eligible for Medicare for the first time, you have seven months to enroll in Medicare Parts A and B. This time frame includes:

Enrollment timeframe graphic Enrollment timeframe graphic

If you are over 65 and planning to retire soon, you have eight months to enroll in Medicare Parts A and B. This time frame usually starts the month after your employment ends.

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.

If you are already enrolled in Medicare, there are only certain times of the year when you can change your Medicare Advantage coverage.

Medicare Advantage Enrollment Timeline
Annual Election Period:
October 15 – December 7
You can add or drop Part D prescription drug coverage during this time. You can also change to a Medicare Advantage plan or to Original Medicare. Your coverage will be effective January 1.
Medicare Advantage Disenrollment Period:
January 1 – February 14
You can disenroll from a Medicare Advantage plan. You will be on Original Medicare and can join a prescription drug plan. Your coverage will be effective the first of the month following your disenrollment request.
Lock-in Period:
February 15 – December 31
You cannot make a plan change after February 14 unless you qualify for a Special Election Period (SEP) or have Medical Assistance coverage.

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Why choose UPMC for Life?

UPMC for Life is a local Medicare Advantage plan owned by UPMC. We know that good health mostly happens outside the doctor’s office. That’s why we offer additional benefits and services that give you more than Original Medicare. We have Medicare Advantage plan options that start as low as $0 for your monthly plan premium.⁺ Most of our plans include these extra benefits and services that can help you stay healthy:

  • Part D prescription drug coverage with access to over 60,000 pharmacies nationwide
  • Preventive dental benefits (on most plans)
  • A routine vision allowance
  • Membership to a local participating fitness facility
  • 24/7 worldwide emergency medical assistance

⁺You must continue to pay your Medicare Part B premium.

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This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premium, and/or copayments/coinsurance may change on January 1 of each year. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. Out-of-network/non-contracted providers are under no obligation to treat UPMC for Life members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

The UPMC for Life Medicare Advantage HMO and PPO plans are available to persons entitled to Medicare Part A and enrolled in Part B. You must continue to pay your Medicare Part B premium, reside in the service area, and not have end-stage renal disease (ESRD).

This information is available for free in other languages. Please call our customer service number at 1-877-381-3765 (TTY: 1-800-361-2629). We are available October 1 through February 14, seven days a week from 8 a.m. to 8 p.m. From February 15 through September 30, we are available Monday through Friday from 8 a.m. to 8 p.m. and Saturday from 8 a.m. to 3 p.m.

UPMC for Life has a contract with Medicare to provide HMO and PPO plans. Enrollment in UPMC for Life depends on contract renewal. UPMC for Life is a product of and operated by UPMC Health Plan Inc., UPMC Health Network Inc., and UPMC Health Benefits Inc.

The Silver&Fit program is a product of American Specialty Health Fitness, Inc., (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). All programs and services are not available in all areas. Silver&Fit® is a federally registered trademark of ASH and used with permission herein.

*Our hours of operation change twice a year.

You can call us:

October 1 through February 14:
seven days a week from 8 a.m. to 8 p.m.

February 15 through September 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 8 a.m. to 3 p.m.

Y0069_17_1193 Approved

Last Updated: 10/01/2016
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