Your Medicare Initial Enrollment Period refers to the 3 months before the month of your 65th birthday, your birth month, and the three months after.
Failing to sign up for Medicare during your Initial Enrollment Period may mean late-enrollment penalties.
- Some of these penalties can apply for the life of your Medicare coverage
- Each component of Medicare (Part A, Part B and Part D) has its own penalty calculation
Avoid costly lifelong Medicare penalties. Enroll during your Initial Enrollment Period and consider an all-in-one Medicare Advantage plan that includes your Sutter Health-affiliated doctor.
Learn more about Medicare’s Late Enrollment Penalties.
Consider an all-in-one Medicare Advantage plan. These plans help simplify the complexity around Medicare, and may offer more comprehensive and cost-effective benefits–including Part A hospital insurance, Part B medical insurance, and Part D prescription drug benefits. Some also include dental and vision care.
As you approach retirement, make sure you understand the penalties you may incur if you don’t enroll in Medicare on time. Even if you will have other coverage available to you after you retire, you will still need to make some Medicare enrollment decisions before you stop working and may still be required to enroll in Medicare. You have 8 months to enroll in Medicare once you stop working or your employer coverage ends (whichever happens first).
Having the right health insurance coverage is important to staying healthy. Medicare Advantage patients:
- Are twice as likely to receive preventive care
- Are half as likely to go to the emergency room
- Go home from the hospital one day earlier
- Are less likely to be readmitted to hospital after discharge*
*When compared to people on fee-for-service Medicare.
Source: The Boston Consulting Group: Alternative Payer Models Show Improved Health-Care Value. May 2013.
Medicare Advantage plans may offer:
- Low or no co-pays for office visits
- Limited annual out-of-pocket costs
- Prescription drug coverage for most plans
- Preventive services, including annual physicals
- Dental and vision care
- X-ray and lab services
- Hospitalization coverage
- Emergency room and urgent care nationwide
This is not a complete description of benefits. Eligibility may be limited to certain times of the year.
Find out if a Medicare Advantage plan with access to the Sutter Health network is right for you, compare plans at eHealth.
This is not an advertisement on behalf of any Medicare Advantage health plan or plans. For information about Medicare, visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227) 24 hours a day, seven days a week.