SilverLining Insurance Advocates

Medicare a federal health insurance plan for: People aged 65 and older. Those with End-Stage Renal Disease, (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) Some people under 65 with certain disabilities. Beneficiaries must be a U.S. Citizen or legal resident for five continuous years. Parts of Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home healthcare services. Part B (Medical Insurance): Covers outpatient care, preventive services, doctor’s visits, durable medical equipment, and some home healthcare services. Part C (Medicare Advantage): Private insurance plans that combine Part A and Part B coverage and often include additional benefits such as dental and vision coverage. Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Most people are automatically enrolled in Medicare Part A when they turn 65 if they’re already receiving Social Security benefits. However, enrollment in Part B is usually required, and you may need to take action to avoid late enrollment penalties. Create an online account with Medicare at: https://www.medicare.gov

Medicare drug coverage helps pay for prescription drugs you need. It's optional and offered to everyone with Medicare. Even if you don't take prescription drugs now, consider getting Medicare drug coverage. However, You’ll pay an extra 1% for each month (that’s 12% a year) if you: Don’t join a Medicare drug plan when you first get Medicare. Go 63 days or more without creditable drug coverage

“Extra Help" is a Medicare program to help people with limited income and resources pay Medicare drug coverage (Part D) premiums, deductibles, coinsurance, and other costs.

Full Medicaid coverage Help from your state paying your Part B premiums (from a Medicare Savings Program) Supplemental Security Income (SSI) benefits from Social Security If you don’t get Extra help Automatically, you can apply for it here: https://secure.ssa.gov/i1020/start or call Social Security at 800-772-1213. You’re also welcome to reach out to our team if you have additional questions or need further direction.