Navigating Medicare: What Seniors Need to Know

At Connect55+, we believe that a worry-free lifestyle means having the right information at your fingertips, especially when it comes to healthcare. For those considering 55-plus senior living in Manchester, CT, understanding Medicare is a vital step toward peace of mind. This guide provides a clear, simple overview of what you need to know to navigate Medicare confidently and continue your active senior living journey.

Key Enrollment Periods

Timing is crucial with Medicare. Your Initial Enrollment Period is a 7-month window around your 65th birthday. Missing this can lead to late enrollment penalties. Additionally, the annual Open Enrollment Period, typically from October 15th to December 7th, allows you to review and change your plans. Mark these dates on your calendar to ensure you have the coverage you need.

Understanding the Parts: A & B

Think of Medicare in a few key parts. Part A (Hospital Insurance) helps cover inpatient hospital care, skilled nursing facility care, hospice, and home health care. Part B (Medical Insurance) covers doctor’s visits, outpatient care, medical supplies, and preventive services. Together, these are often referred to as Original Medicare and form the foundation of your health coverage.

Exploring More Coverage: C & D

Beyond the basics, you have more options. Part C, or Medicare Advantage, are bundled plans offered by private companies that include Parts A and B and often prescription drug coverage. Part D is standalone Prescription Drug Coverage that can be added to Original Medicare. Many 55 plus communities in Manchester, CT, have residents with a mix of these plans.

Utilize Free Resources

You don’t have to figure this out alone. The official Medicare website (Medicare.gov) is an excellent resource. Additionally, the State Health Insurance Assistance Program (SHIP) offers free, unbiased counseling. In Connecticut, this program is known as CHOICES. Using these trusted resources can save you time and help you make informed decisions.

Navigating healthcare is an important part of the active senior living community lifestyle. At Connect55+, we foster a supportive environment where residents share knowledge and look out for one another. To learn more about our welcoming community in Manchester, CT, contact us today to schedule a tour!