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Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs
Medicare Part A&B
Some people get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) automatically and other people have to sign up for it. In most cases, it depends on whether you’re getting Social Security benefits. When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.
3 months before the month you turn 65
the month you turn 65
3 months after the month you turn 65
Medicare Part D, also called the Medicare prescription drug benefit (PDP), is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs through prescription drug insurance premiums. Medicare beneficiaries enroll with private carriers for this coverage.
What is IRMAA
You'll get a notice called "Initial IRMAA Determination" if you have Medicare Part B and/or Part D and Social Security determines that any Income Related Monthly Adjustment Amounts (IRMAA) apply to you. This notice includes information about Social Security's determination and appeal rights.
Medicare Advantage Plans, sometimes called "Part C" are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These plans include Medicare Part A and Medicare Part B and usually Medicare drug coverage (Part D)
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