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Medicare Basics

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Medicare Overview

Medicare is the federal health insurance program for individuals ages 65 and older. Certain younger people with disabilities and people with end-stage renal disease can also apply for the coverage. Medicare pays for much of your health care, but not all of it, such costs could be, deductibles, coinsurance, and prescription drug cost.

Kentucky Health Solutions provides coverage with Medicare Supplements, Medicare Advantage plans, and Part D prescription drug plans. All available options are sold by private health insurance companies to fill in the gaps in coverage.

How Do I Get Started?

You must initiate the Medicare enrollment process with Social Security. Go online, call or visit your local Social Security office to get the process started. The Social Security Administration handles most of the paperwork for joining Medicare. If you’re drawing Social Security benefits when you turn 65, Social Security should automatically enroll you in Medicare Part A and Part B but check with your local security office if you suspect there is a problem. However, if you are not collecting Social Security, then you will need to complete your Medicare Part A and Part B enrollment through Social Security. Generally, enrolling on their website seems to be the easiest way to enroll.

If you have delayed enrolling into Medicare due to working past age 65, then you should contact Social Security on instructions with late enrollment or feel free to contact us and we can help as well. Applying for Part B takes a couple extra steps.  You will need a Part B Application and a Request for Employment Information. Social Security can also help you find out if you’re eligible for extra help with the cost of Medicare costs.

As a helpful guide, please review the Getting Started with Medicare or  Medicare also provides the Medicare and You booklet.

For additional information and guidance, please contact us directly at 859-309-5033.