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Medicare Advantage plans are considered supplementary health insurance that people who already have Medicare Part A and B can avail of. The initial enrollment period (IEP) for Medicare is between 3 months before and after reaching the age of 65; late enrollment will result in penalties. In some cases, disability cases are allowed to enroll before this period, specifically from the 22nd to the 28th month of disability. Enrollment for first-time Medicare Advantage plan enrollees is from January 1 to March 31 of each year. Switching Medicare Advantage plans can only be done from November 15 to December 31 and will remain in effect for the whole of the following year. Switching automatically cancels enrollment in the old Medicare Advantage plan.
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Medicare Advantage plans may include coverage for vision, hearing, dental, and health and wellness programs. If the current Medicare Advantage plan proves unsatisfactory or otherwise ineligible, switching is allowed only under certain circumstance, as follows:
In the selected parts or the whole state of New York, at least 86 Medicare Advantage plans are available in a variety of formats. Typically, an Medicare Advantage with prescription drug coverage* is ideal, and in New York, three of the Medicare Advantage prescription drug plans without monthly premiums are:
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* You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office
Dental or vision options can be added to your
coverage.
Living longer means paying more for health care.
A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2
Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3