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Medicare Advantage Online Enrollment Advice for New Retirees

Welcome to the exciting world of retirement! We have a few tips to help make your Medicare Advantage online enrollment a little easier, so you can enjoy your well-deserved freedom.

Research multiple carriers

Medicare Advantage Plans are offered by private insurance companies that have contracts with the federal government. Plans from different carriers have different benefits, costs, and networks. If you only research plans from one carrier before completing your Medicare Advantage online enrollment, you may miss out on a plan that’s a better fit for your needs.

One easy way to find a variety of plans in your area is by using the Medicare Online Enrollment Portal. The portal offers a convenient way to find and compare plans from multiple carriers. When you find the right plan, you can also enroll through the portal.

Don’t miss your Initial Enrollment Period

When you turn 65, you have an Initial Enrollment Period for Medicare, which begins 3 months before your birthday and ends 3 months after your birthday. If you don’t enroll in Medicare Parts A and B during this window, you may pay more due to penalties. If you don’t enroll in a Medicare Advantage Plan during this 7-month period, you’ll have to wait until the Medicare Annual Enrollment Period, which occurs from October 15 to December 7 each year. You don’t have to enroll in a Medicare Advantage Plan during your Initial Enrollment Period, but if you want a Medicare Advantage Plan and don’t enroll then, you may have to wait longer than you’d like to enroll in a plan.

Avoid a Part D penalty

Medicare Advantage Plan enrollment is optional, but prescription drug coverage, or Part D, isn’t. If you don’t enroll in prescription drug coverage during your Initial Enrollment Period, you can incur penalties throughout the rest of your retirement. Many Medicare Advantage Plans include prescription drug coverage, making them a convenient way to get all your healthcare coverage in one plan instead of having to keep track of several.

Prepare to enroll

Don’t you hate when you sit down to complete a task, then realize you don’t have the right tools or information? We want to make sure your enrollment is quick and easy, so here’s what you should have handy before you start your Medicare Advantage online enrollment:

  • Your Medicare card
  • A list of your physicians
  • A list of your prescriptions
  • Date of birth, social security number, address, and phone number

Have all that ready? Then all that’s left is to complete your enrollment on the Medicare Online Enrollment Portal.

If you have any questions about Medicare plans or need assistance, a Medicare Advocate is standing by to help you. Just call 1-800-991-4407 / TTY 711 from 10 a.m. to 9 p.m. Eastern, Monday to Friday.