Eligibility following loss of employment or employer-sponsored health insurance coverage
A SPECIAL COVID-19 PANDEMIC NOTE
Many people in our community are being impacted by unfortunate and unexpected life changes. If you, or someone you know, has questions about their health plan and Medicare, please feel free to call us at 702-872-2875 (TTY: 711).
If you are Medicare elligible and have experienced a qualifying life-changing event — such as loss of employer-sponsored insurance — you may qualify for a Special 60-Day Enrollment Period, when you can immediately enroll in Medicare.
A call to 702-872-2875 can help you understand your options. We can also put you in touch with a trusted, licensed insurance agent right here in southern Nevada. They’ll help you understand the options of Medicare, Medicare Advantage plans and/or supplemental insurance plans. A licensed insurance agent can also help you sign up for the option you choose.
It’s a difficult time for many. Understanding your healthcare coverage options can bring important peace of mind.
What should I know about my Initial Medicare Enrollment Period?
Medicare is the federal health insurance program for people who are 65 and older, and certain younger people with disabilities or end-stage renal disease. Most people will enroll in Medicare around their 65th birthday. This is called your “Initial Enrollment Period.” It spans your birth month, plus the three months before and after.
You enroll for Medicare through a local Social Security Office. For help understanding the steps to take, and when — as there are penalties for late enrollment — feel free to call us at 702-872-2875 (TTY: 711).
What can I do in the Medicare Annual Enrollment Period (AEP)?
Each year there is a set time frame when everyone eligible for or enrolled in Medicare has the opportunity to change plans. This year’s Annual Enrollment Period (AEP) begins October 15 and ends December 7. It’s an ideal time to consider whether your needs are being met under your existing plan.
During this time, ask yourself:
- Are you satisfied with your current primary care doctor?
- Have you had a new health diagnosis?
- Are you paying too much for your prescription drugs?
- Are your health needs and supplies, including hearing or dental, covered as you wish?
- Could you benefit from a gym membership or nutrition specialist?
Use the Annual Enrollment Period to make changes to your plan, or switch from Original Medicare to an all-in-one Medicare Advantage plan. At Intermountain Healthcare, we can connect you with a licensed insurance agent who can help you understand your options without bias.
What are the Special Enrollment Periods?
If you are approaching age 65 (as noted above), have recently relocated to a new area, have experienced a recent change in your healthcare needs or in certain other situations, you may be able to enroll or make changes in your Medicare coverage outside the AEP.
We’re here to help ensure you have the right coverage for your health needs and your budget. If you’re unsure whether you qualify for Medicare enrollment during a special enrollment period, we can connect you to a licensed insurance agent and other Medicare resources who can help answer your enrollment questions.
Find out more, if any of the following apply to you …
Whether you’re ready to retire or still on the job, it’s time to explore your Medicare options.
A recent move, even from a different county, may mean you need to change your Medicare Advantage plan.
Have Chronic Conditions
You may be eligible for a Medicare Chronic Condition Special Needs Plan.
How does the Medicare Advantage Open Enrollment Period (OEP) work?
If you are enrolled in a Medicare Advantage Plan, you may also make certain changes during the annual Open Enrollment Period (OEP). Intermountain Healthcare wants to help you understand your options during this time, which occurs January 1 through March 31.
During the OEP, you may make these changes:
- Switch to another Medicare Advantage plan (with or without drug coverage)
- Dis-enroll from your Medicare Advantage plan and return to Original Medicare
You may not make the following changes:
- Switch from Original Medicare to a Medicare Advantage plan
- Join a Medicare Prescription Drug Plan if you’re on Original Medicare
You can only make one change during this period. Changes will take effect the first of the month after the plan receives your request.
Any other questions?
We’re here to help make things simpler. You can attend a no-cost, educational event in your area to get the facts you need to make smart healthcare decisions. Or talk with an Intermountain Healthcare team member today by calling 702-623-0183 (TTY: 711).