Senior Information Center
Medicare

When do I need to enroll in Medicare?
Most people will be automatically enrolled in Medicare Part A; if you are not working, you should enroll in Part B 3 months before your 65th birthday, the month of your birthday or up to 3 months after your birthday.

I’m still working after age 65; must I enroll in Medicare Part B?
Check with your benefits administrator at work to determine if your employer health plan requires you to enroll in Part B; you may be able to delay enrolling in Part B until you retire without penalty.

I have Medicare Supplement Insurance. Can I change plans or companies?
You can but the new plan or company may not write a policy for you if you have any serious health conditions and you may have a waiting period for pre-existing conditions.

When does my “open enrollment” period for Medicare A & B start?
Open enrollment lasts for 6 months beginning on the first day of the month in which the individual is 65 years of age and enrolled in Medicare Part B.

I’m under 65 but have Medicare because I am disabled. What are my options for supplemental insurance?
You may not be able to qualify for a Medicare supplement policy. There is no guaranteed issue period if you are under 65. However, you should qualify for a Medicare Advantage Plan unless you are in End Stage Renal Failure or have ALS. You may also obtain coverage through the Montana Comprehensive Health Association (MCHA).  You may contact them at: 800-447-7828 or www.mthealth.org.

Who can I call for further help enrolling in Medicare Part D?
SHIP 1-800-551-3191

Do I have a local resource for help with Medicare issues?
Yes- the SHIP (State Health Insurance Assistance Program) has local counselors in your area to help with a wide variety of Medicare and other Seniors issues.