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Turning 65

Bankers Life
Horizontales
Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for ________care.
In most cases, you don’t need a ________ to use a specialist.
You pay a _______ (monthly payment) for Part B.
Original Medicare covers most medically ________ services and supplies in hospitals, doctors’ offices, and other health care facilities.
Part D Helps cover the cost of __________drugs (including many recommended shots or vaccines). Plans that offer Medicare drug coverage (Part D) are run by private insurance companies that follow rules set by Medicare.
You can get ________ to help pay your remaining out-of-pocket costs (like your 20% coinsurance).
DME stands for ______ Medical Equipment.
Part A Helps cover: • _______ care in hospitals • Skilled nursing facility care • Hospice care • Home health care
You can also contact Social Security _______ months before you turn 65 to set up an appointment.
Verticales
If you’re already getting _______from Social Security, you’ll automatically get Part A and Part B starting the first day of the month you turn 65.
Part B Helps cover: • Services from ______ and other health care providers • Outpatient care • Home health care • Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment) • Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
There may be ________ if you don’t sign up when you’re first eligible.
You can also call MEDICARE at 1-800-_______.
If you don’t sign up for Part B when you’re first eligible, you may have a delay in getting Medicare Part B coverage in the future, and you may have to pay a late _________ penalty for as long as you have Part B.
There’s no yearly _______on what you pay out of pocket, unless you have supplemental coverage—like Medicare Supplement Insurance.
If you’re close to 65, but NOT getting Social Security or Railroad Retirement Board (RRB) benefits, you’ll need to ______ up for Medicare.
Each ______, it’s important to review your Medicare health and drug coverage to see if it still meets your needs, and decide if you want to make a change.
You can use _____doctor or hospital that takes Medicare, anywhere in the U.S.