65+ Know what to do when | Mass General Brigham Health Plan

Before you retire
- Learn about Medicare and the different types of plans. Start here.
- Talk to your employer about any plans offered to retirees.
- Make a list of your regular doctors and prescription drugs to make it easy for you to compare plans.
- Get a picture of your health care history. Ask yourself the following questions:
  - What did you pay in the past year? Look at your TOTAL costs, including premiums, deductibles, copays and coinsurance.
  - How many times did you go to the doctor?
  - How many hospital stays did you have?
  - Do you plan on traveling?
- Compare different Medicare plans to find the coverage and premiums that work best for you.
  - TIP: When comparing plans, be sure to look at the maximum amount of costs you could incur, or the out-of-pocket maximum.
  - See if your doctors are covered.
  - See if your prescriptions are covered.
  - Compare our Medicare Advantage plans online.
  - Find out about any extra benefits, such as fitness programs, hearing aid discounts and more.
- Arrange a personal consultation with a Medicare Advisor.
When you retire
- Time to enroll. You can enroll in Medicare up to two months after your coverage ends.
- If you haven’t yet enrolled in Part A and Part B, contact the Social Security Administration.
- To enroll in Part C (Medicare Advantage) and Part D, contact a Medicare Advisor.
- If you haven’t already done so, you should compare plans to determine which best meets your needs.
Two months after you retire
- You must be enrolled in Part A, B and D (or creditable coverage) by now to avoid paying late enrollment penalties.
Beyond two months after you retire
- Other than the Special Enrollment Period (up to two months after losing your coverage), you can enroll during the Annual Open Enrollment Period between October 15 and December 7 each year

65+: Know what to do when

Know what to do when

Our Medicare Advisors are here to help.