Pioneer is partnering with MedicareCU to bring Medicare insurance guidance to our members at no extra cost. If you are 65 or older and looking to enroll in Medicare, you can get the help you need.
Connect with Your Credit Union Medicare Advisor
Reach out to your Pioneer Medicare Advisor for assistance.
Advisor: Nicole Finamore
Book an Appointment
When You Can Enroll
You can enroll for Medicare during your Initial Enrollment Period (IEP), which begins 3 months before you turn 65 and last three more months after your birthday month.
Enroll in Medicare during your first three months of your IEP. Waiting too long may lead to delayed coverage after turning 65.
Learn About Original Medicare
Medicare is made up of two parts, Part A and Part B. These parts are provided by the federal government.
- Medicare Part A: Part A helps cover costs of inpatient care from a hospital or similar healthcare facility. Most citizens get Part A without paying a monthly premium
- Medicare Part B: Part B helps cover outpatient care like doctor visits and preventive screenings. Part B premiums are determined on when you enrolled in Medicare and your income.
Consider Private Medicare Plans and Medicare Supplemental Insurance
If you are looking for additional coverage and benefits for your Medicare, there are private insurance companies that offer more choices.
- Medicare Advantage (Part C): Advantage, also called Part C, is an alternative to Original Medicare. These plans provide the same coverage as Parts A and B, but may contain additional benefits, like dental and vision care, or coverage for prescription drugs.
- Medicare Part D: Part D helps pay for prescriptions drugs. This coverage is not part of Original Medicare.
- Medicare Supplement Insurance: Supplement insurance plans (Medigap) help cover some out-of-pocket expenses that Medicare Part A and B doesn't pay. Plan availability may vary from state to state.
For those getting Medicare, coverage for prescription drugs is important and should be considered. That may mean enrolling in Part D, or getting a Part C plan with more benefits included.
You must be enrolled in both Medicare Part A and B before you can join a private Medicare plan or a Medicare supplement insurance plan.
Enroll With the Right Plan
You are automatically enrolled in Original Medicare, Parts A and B, if you are getting Social Security benefits when you turn 65. You'll receive your Medicare card in the mail before your birthday.
If you aren't, you can enroll yourself at your local Social Security office or at Medicare.gov.