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Are You New To Medicare?
Turning 65?
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We ensure the quality
If you are turning 65, it's an important time to start considering your Medicare options. Here are some key steps and information to help you navigate the process in Nevada:
How do I apply for Medicare in Nevada?
If you need help applying to Medicare, contact us at 702-406-6564.
Understand the Parts of Medicare - What Medicare Parts do you Need?
- Part A: Hospital Insurance, covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Part B: Medical Insurance, covers certain doctors' services, outpatient care, medical supplies, and preventive services.
- Part C: Medicare Advantage Plans, an alternative to Original Medicare that includes Parts A and B and often Part D, offered by private companies approved by Medicare.
- Part D: Prescription Drug Coverage, helps cover the cost of prescription drugs.
Initial Enrollment Period (IEP) - What is your Initial Enrollment Period?
- Your IEP begins three months before your 65th birthday, includes the month of your birthday, and ends three months after your birthday month.
- Enroll in Medicare Parts A and B during this period to avoid late enrollment penalties.
Automatic Enrollment:
- If you are receiving Social Security benefits, you may be automatically enrolled in Medicare Parts A and B.
- If not, you will need to sign up manually through the Social Security Administration.
Medigap (Medicare Supplement Insurance):
- If you choose Original Medicare (Parts A and B), consider purchasing a Medigap policy to help cover out-of-pocket costs like copayments, coinsurance, and deductibles.
Medicare Advantage (Part C) and Prescription Drug Plans (Part D):
- Compare Medicare Advantage and Part D plans available in your area to find one that meets your needs.
- Use the Medicare Plan Finder tool by clicking the "Apply Now" button on the top menu to compare plans based on coverage, costs, and customer ratings.
Special Enrollment Periods (SEPs):
- If you are still working and have health coverage through your employer, you may qualify for a SEP to enroll in Medicare without penalties once you retire or lose your employer coverage.
What are the requirements to qualify for Medicare?
To qualify for Medicare, you generally need to meet one of the following requirements:
1. Age-Based Eligibility:
Age 65 or Older: Most people become eligible for Medicare when they turn 65. You can enroll during your Initial Enrollment Period, which starts three months before your 65th birthday and ends three months after your birthday month.Work History: Typically, you qualify for premium-free Part A (hospital insurance) if you or your spouse have paid Medicare taxes for at least 40 quarters (10 years) through working.
2. Disability-Based Eligibility:
Under Age 65: If you are under 65 but have been receiving Social Security Disability Insurance (SSDI) benefits for 24 months, you will automatically be enrolled in Medicare. There is a 24-month waiting period from the time you start receiving SSDI benefits before you become eligible for Medicare.
3. Specific Medical Conditions:
End-Stage Renal Disease (ESRD): If you have ESRD and need regular dialysis or a kidney transplant, you may qualify for Medicare regardless of your age. You can apply for Medicare coverage as soon as you know you need dialysis or a transplant.Amyotrophic Lateral Sclerosis (ALS): If you have ALS (Lou Gehrig’s disease), you will be automatically enrolled in Medicare once you begin receiving SSDI benefits, without the 24-month waiting period.
Additional Points:
Citizenship/Residency: You must be a U.S. citizen or a legal resident who has lived in the U.S. for at least five years to qualify for Medicare.Enrollment: Even if you are eligible, you need to enroll during specific periods to avoid penalties or gaps in coverage. The key enrollment periods include:Initial Enrollment Period (IEP): Around your 65th birthday.General Enrollment Period (GEP): January 1 to March 31 each year if you missed your IEP.Special Enrollment Periods (SEPs): For qualifying life events such as losing employer health coverage.
For more detailed information tailored to your specific situation, you can make an appointment with NevadaMedicare.health
Seek Assistance: From NevadaMedicare.Health
- Medicare is a federal program, so its eligibility criteria are uniform across all states, including Nevada. It primarily provides health coverage for individuals aged 65 and older, as well as certain younger people with disabilities. Importantly, Medicare eligibility does not depend on income limits.
Seek Assistance: From NevadaMedicare.Health
- Contact NevadaMedicare.Health for free, personalized counseling.
- Click the "Apply Now" button on the top menu. It allows you to check Plan and Drug costs without actually applying.
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