


October 15 – December 7: Annual Enrollment Period is here:
Schedule your plan review now
Whether you’re approaching 65, retiring, or qualifying through disability, our experienced team will help you understand your options and find the right coverage for your needs. Not only will we help you get started, but we will be here throughout your Medicare journey providing quality support, protection from fraud, and provide answers to any questions along the way.
Are you turning 65 soon? It may be time to start your enrollment period. This enrollment spans 7 months.
Get Started and we can help connect you with one of our Medicare experts who can help answer questions such as covered medications, monthly premiums, healthcare services costs, and much more.
Begins October 15 – December 7 each year:
If you’re working past 65 with employer coverage or have a qualifying disability or life event:
There are two main types of Medicare Special Enrollment Periods. If you have a qualifying disability or life event or working past 65 with employer coverage.
The key differences are the qualifying events and the enrollment timelines. The “Qualifying Life Events” SEP is 2 months, while the “Working Past 65” SEP is 8 months for initial enrollment, but only 2 months for Part D/Medicare Advantage.
Request your free, no-obligation quote or contact a local UCCU Insurance Services representative to learn more about our extensive insurance options.
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This is a federal health insurance program primarily designed for people aged 65 and older, though certain younger individuals may qualify through disability. The program consists of different parts (A, B, C, and D) that cover various aspects of healthcare. You generally qualify if you’re 65 or older and either a U.S. citizen or permanent legal resident who has lived in the United States for at least 5 years. You may also qualify if you’re younger and have certain disabilities, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s disease). Most people become eligible for premium-free Part A if they’ve worked and paid the taxes for at least 10 years.
Both programs are distinct government healthcare programs serving different populations. Medicare is a federal program primarily for people 65 and older, regardless of income, and is funded through payroll taxes and premiums. Medicaid, on the other hand, is a joint federal and state program that provides health coverage to eligible low-income individuals of any age. While Medicare has standard enrollment periods and coverage options nationwide, Medicaid eligibility and benefits can vary by state. Some people may qualify for both programs (called “dual eligibility”), which can provide more comprehensive coverage than either program alone.
Parts A and B (see above) generally doesn’t cover routine dental care, including cleanings, fillings, tooth extractions, or dentures. However, they may cover certain dental services if they’re required as part of another covered medical procedure, such as jaw reconstruction following an injury. Advantage plans (Part C) often include dental coverage as an additional benefit, though coverage levels vary by plan. Many beneficiaries choose to either enroll in an Advantage plan with dental coverage or purchase separate dental insurance to ensure they have comprehensive oral health coverage.
Applying can be done in several ways. If you’re already receiving Social Security benefits, you’ll typically be automatically enrolled in Parts A and B when you turn 65. If not, you can apply online through the Social Security Administration website, by calling Social Security directly, or by visiting your local Social Security office. The best time to apply is during your Initial Enrollment Period, which begins three months before your 65th birthday. UCCU’s licensed agents can help guide you through the application process and ensure you understand all your coverage options.
UCCU Insurance Services (UCCUIS) does not offer any proprietary products. We offer a range of products from respectable insurance companies. The products or services on this page are not NCUA insured, have no credit union guarantee, may lose value, are not insured by any federal agency, are not a bank deposit.
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