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Prepare for Enrollment

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Before picking your plan, you'll want to make sure you're fully prepared to enroll in one. That includes confirming your eligibility and marking your calendar with important enrollment deadlines. Plus, you can see when you'll be able to switch plans.

¿Es elegible para Medicare?

You may be eligible for Medicare if you meet the following requirements. ¹

You must be a US citizen or permanent legal resident for at least five years

PLUS one of the following

Tiene 65 años en adelante

O

You have received Social Security disability for at least two years¹

O

You have Lou Gehrig's disease or permanent kidney failure

When can you enroll or make a plan change?

The enrollment window depends on your specific situation—

use the charts below to determine when you can enroll.

Whether you’re turning 65 or are new to Medicare for another reason, we have the answers to your enrollment timing questions.

You are turning 65

Those who are about to turn 65 or just turned 65 are eligible for the Initial Enrollment Period.

MicrosoftTeams-image (59) 1.png

¿Cuándo puedo inscribirme?

You will become eligible for Medicare the month of your 65th birthday. Your 7-month initial enrollment window will start three months before the month of your 65th birthday and last until three months after your birth month. You can enroll in Original Medicare Part A and Part B and if you so choose, you can enroll in a Medicare Advantage plan through a private insurance company during this time.

¿Qué debo hacer?

In most cases you will be automatically enrolled in Original Medicare Parts A and Part B if you're already receiving Social Security. You should receive your Original Medicare card and information in the mail three months prior to your birth month. If you receive social security payments, you can choose to have your part B premium deducted from your check once your coverage starts. If you choose, you can enroll in additional coverage through a private insurance company. You will be able pick a plan any time within your 7-month initial enrollment window.

When will my coverage start? 

If you sign up during the first 3 months of your initial enrollment period, your coverage starts the first day of the month you turn 65. If you sign up the month of your birthday or within the three months after it, your coverage will begin the next month.

¿Cuándo puedo inscribirme?

Most people take Original Medicare Part A when it is available, but some people choose to delay enrollment in Original Medicare Part B. This is most often due to having coverage through their job or a spouse's employer. Once your employer-sponsored coverage ends, most likely due to retirement, you will have 8 months to enroll in coverage and if you so choose, enroll in a private insurance Medicare plan.

¿Qué debo hacer?

You will need to submit an application with Medicare to request enrollment in your Part B coverage. 

 

When will my coverage start?

In most cases your coverage will begin on the first day of the month after you enroll. 

¿Cuándo puedo inscribirme?

If you have been receiving disability insurance payments from social security or the railroad retirement board for 24 consecutive months you will become eligible for Medicare at the beginning of your 25th month.2

¿Qué debo hacer?

You will be automatically enrolled in Medicare. You should receive your Original Medicare card and information in the mail three months prior to month 25 on disability. If you receive social security payments, you can choose to have your Part B premium deducted from your check once your coverage starts.

When will my coverage start? 

Your Original Medicare Part A and Part B coverage will become effective at the start of month 25 of disability. If you choose, you can enroll in additional coverage through a private insurance company. You will be able pick a plan 3 months before, the month of, and three months after your 25th month of receiving disability benefits.

If you miss your initial enrollment period, you will be able to sign up for Original Medicare Part A and Part B during Medicare's General Enrollment Period from Jan 1 - March 31 each year. If you sign up during this time your coverage will start July 1. Depending on your situation you may not be able to sign up for private insurance Medicare plans at this time and could have to wait until the next annual enrollment period. You may also be required to pay late enrollment penalties unless your current coverage type waived you from this fee.

Those who already have a Medicare plan can switch during the following times each year:

 

Who can enroll?

The Medicare Annual Enrollment Period is Oct 15 - Dec 7 each year. Anyone on Medicare can enroll in a Medicare Advantage or Prescription Drug plan for the first time, or switch plans during this period. You can also drop your plan altogether and return to Original Medicare during this time.

¿Qué debo hacer?

You may want to contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan if you have one.

When will my coverage start?

Your new plan will be effective on Jan 1 of the new year. 

Who can enroll?

The Medicare Annual Enrollment Period is Oct 15 - Dec 7 each year. Anyone on Medicare can enroll in a Medicare Advantage or prescription drug plan for the first time, or switch plans during this period. You can also drop your plan altogether and return to Original Medicare during this time.

 

¿Qué debo hacer?

You may want to contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan if you have one.

 

When will my coverage start?

Your plan’s coverage will start based on the effective date determined during the enrollment process. 

Who can enroll?

During the rest of the year you will need to qualify for a special enrollment period in order to enroll, switch, or drop a plan. Some examples of qualifying life events may include, but aren't limited to, moving to a new service area, losing your current health coverage, or a change to your current plan.

 

¿Qué debo hacer?

If you believe you may qualify for a special enrollment period and wish to switch plans you should contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan, if you are eligible for a special enrollment period.

 

When will my coverage start?

Your plan’s coverage will start based on the effective date determined during the enrollment process.

If you are eligible for both Medicare and Medicaid, you may be able to join, switch, or drop your Medicare Advantage or Prescription Drug coverage one time each quarter (Jan - March; April - June; July - September). If you choose a new plan during this time, it will become effective the first day of the following month. If you make a change during the annual enrollment period (Oct 1- Dec 7), your new plan will become effective on Jan 1.

Whether you’re turning 65 or are new to Medicare for another reason, we have the answers to your enrollment timing questions.

You are turning 65

Those who are about to turn 65 or just turned 65 are eligible for the Initial Enrollment Period.

MicrosoftTeams-image (59) 1.png

¿Cuándo puedo inscribirme?

You will become eligible for Medicare the month of your 65th birthday. Your 7-month initial enrollment window will start three months before the month of your 65th birthday and last until three months after your birth month. You can enroll in Original Medicare Part A and Part B and if you so choose, you can enroll in a Medicare Advantage plan through a private insurance company during this time.

¿Qué debo hacer?

In most cases you will be automatically enrolled in Original Medicare Parts A and Part B if you're already receiving Social Security. You should receive your Original Medicare card and information in the mail three months prior to your birth month. If you receive social security payments, you can choose to have your part B premium deducted from your check once your coverage starts. If you choose, you can enroll in additional coverage through a private insurance company. You will be able pick a plan any time within your 7-month initial enrollment window.

When will my coverage start? 

If you sign up during the first 3 months of your initial enrollment period, your coverage starts the first day of the month you turn 65. If you sign up the month of your birthday or within the three months after it, your coverage will begin the next month.

¿Cuándo puedo inscribirme?

Most people take Original Medicare Part A when it is available, but some people choose to delay enrollment in Original Medicare Part B. This is most often due to having coverage through their job or a spouse's employer. Once your employer-sponsored coverage ends, most likely due to retirement, you will have 8 months to enroll in coverage and if you so choose, enroll in a private insurance Medicare plan.

¿Qué debo hacer?

You will need to submit an application with Medicare to request enrollment in your Part B coverage. 

 

When will my coverage start?

In most cases your coverage will begin on the first day of the month after you enroll. 

¿Cuándo puedo inscribirme?

If you have been receiving disability insurance payments from social security or the railroad retirement board for 24 consecutive months you will become eligible for Medicare at the beginning of your 25th month.2

¿Qué debo hacer?

You will be automatically enrolled in Medicare. You should receive your Original Medicare card and information in the mail three months prior to month 25 on disability. If you receive social security payments, you can choose to have your Part B premium deducted from your check once your coverage starts.

When will my coverage start? 

Your Original Medicare Part A and Part B coverage will become effective at the start of month 25 of disability. If you choose, you can enroll in additional coverage through a private insurance company. You will be able pick a plan 3 months before, the month of, and three months after your 25th month of receiving disability benefits.

If you miss your initial enrollment period, you will be able to sign up for Original Medicare Part A and Part B during Medicare's General Enrollment Period from Jan 1 - March 31 each year. If you sign up during this time your coverage will start July 1. Depending on your situation you may not be able to sign up for private insurance Medicare plans at this time and could have to wait until the next annual enrollment period. You may also be required to pay late enrollment penalties unless your current coverage type waived you from this fee.

Those who already have a Medicare plan can switch during the following times each year:

 

Who can enroll?

The Medicare Annual Enrollment Period is Oct 15 - Dec 7 each year. Anyone on Medicare can enroll in a Medicare Advantage or Prescription Drug plan for the first time, or switch plans during this period. You can also drop your plan altogether and return to Original Medicare during this time.

¿Qué debo hacer?

You may want to contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan if you have one.

When will my coverage start?

Your new plan will be effective on Jan 1 of the new year. 

Who can enroll?

The Medicare Annual Enrollment Period is Oct 15 - Dec 7 each year. Anyone on Medicare can enroll in a Medicare Advantage or prescription drug plan for the first time, or switch plans during this period. You can also drop your plan altogether and return to Original Medicare during this time.

 

¿Qué debo hacer?

You may want to contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan if you have one.

 

When will my coverage start?

Your plan’s coverage will start based on the effective date determined during the enrollment process. 

Who can enroll?

During the rest of the year you will need to qualify for a special enrollment period in order to enroll, switch, or drop a plan. Some examples of qualifying life events may include, but aren't limited to, moving to a new service area, losing your current health coverage, or a change to your current plan.

 

¿Qué debo hacer?

If you believe you may qualify for a special enrollment period and wish to switch plans you should contact your sales agent or broker or contact the insurance company you wish to sign up with directly. They will help you get enrolled in your new plan and dis-enrolled in your current plan, if you are eligible for a special enrollment period.

 

When will my coverage start?

Your plan’s coverage will start based on the effective date determined during the enrollment process.

If you are eligible for both Medicare and Medicaid, you may be able to join, switch, or drop your Medicare Advantage or Prescription Drug coverage one time each quarter (Jan - March; April - June; July - September). If you choose a new plan during this time, it will become effective the first day of the following month. If you make a change during the annual enrollment period (Oct 1- Dec 7), your new plan will become effective on Jan 1.

Frequently asked questions about the Medicare Annual Election Period

No, if your plan is still offered for the upcoming year you will not need to do anything to keep your current coverage. As long as you remain eligible, you can decide to automatically renew ypur plan each year.

Your insurance company will send you an Annual Notice of Change (ANOC) in September whether there are changes or no changes to your current plan coming for the next plan year. This letter will detail the changes in coverage, cost, service area, and benefits that will be effective in January. If these changes will no longer meet your needs, you can shop for a new plan during the Annual Enrollment Period from Oct 15 - Dec 7.

No, you can enroll or change plans two times a year. First during the annual enrollment period from Oct 1 - Dec 7 and then again during Open Enrollment from Jan 1 - March 31. From April 1 - Oct 1 you will need a special enrollment period to switch plans. If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without a drug plan) within the first 3 months you have Medicare.

Whether you are working or not, you will be eligible for your Medicare benefits when you turn 65 or qualify due to disability. The question then becomes whether or not you should I enroll in Medicare and/or stay on your employer's plan? The answer may be different for Original Medicare Part A and Part B. Starting with Part A (hospital insurance) if you've been paying into Medicare via payroll deductions throughout your career you'll generally pay no premium for this coverage - so you may want to enroll in Part A when you're first eligible. For Part B (medical insurance), most people will be responsible for the standard monthly part B premium when they sign up ($164.90 in 2024). To determine what option is best for you, talk with your employer or a licensed agent.

En pocas palabras, sí. You are required to have Part D coverage for prescription drugs. For most people this means purchasing a stand-alone Part D Prescription Drug plan or an all-in-one Medicare Advantage Prescription Drug plan from a private insurance company.. If you don't enroll in Part D coverage during your initial enrollment period, and you cannot demonstrate creditable coverage was in place during this time, you may be subjected to a late enrollment penalty that may last the entirety of your time on Medicare if you enroll in Part D coverage later on.

According to Medicare.gov, "If you miss your 7-month Initial Enrollment Period, you may have to wait to sign up and pay a monthly late enrollment penalty for as long as you have Part B coverage. The penalty goes up the longer you wait. You may also have to pay a penalty if you have to pay a Part A premium, also called "Premium-Part A."

This only applies if you do not have other existing creditable coverage.

Hable con un agente de ventas certificado de Humana, llamando al

1-844-882-7607

TTY:771

Lun. - vie., de 8 a.m. a 8 p.m.

Congrats! You’ve completed Step 1!

Paso siguiente

Step 2:Review Cost and Coverage

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Compare planes e inscríbase en línea. We'll guide you along the way.

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1-844-882-7607

TTY:771

Lun. - vie., de 8 a.m. a 8 p.m.

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Programar una cita

Virtualmente o en persona

Click the step you’d like to visit below

Click the step you’d like to visit below

  •

    Prepare for Enrollment

  •

    Review Cost and Coverage

  •

    Understand Coverage Gaps

  •

    Conozca Medicare Advantage

  •

    Evaluate Your Options

  •

    Make an Educated Decision

1 https://www.medicare.gov/basics/get-started-with-medicare/sign-up/how-do-i-sign-up-for-medicare

2 https://rrb.gov/sites/default/files/2021-07/2021%20Railroad%20Retirement%20Handbook.pdf

Los planes no están disponibles en todas las áreas. Los costos, la cobertura y los beneficios varían según el lugar.

Este material se ofrece con fines informativos únicamente y no debería ser considerado como asesoramiento médico ni utilizado como sustituto de una consulta a un profesional médico con licencia.

Humana es una organización Medicare Advantage HMO, PPO y PFFS, y un plan independiente de medicamentos recetados con un contrato de Medicare. Humana es también un plan de atención médica coordinada con un contrato de Medicare y un contrato con el programa Medicaid de su estado. La inscripción en los planes de Humana depende de la renovación del contrato.

Humana Inc. y sus subsidiarias (en conjunto, "Humana") cumplen con las leyes de derechos civiles federales vigentes y no discriminan por raza, color, nacionalidad, edad, incapacidad, sexo, orientación sexual, identidad o expresión de género, condición de transexual, estado civil, estado de veterano o militar, ni religión. Humana no excluye personas ni las trata diferente dada su raza, color, nacionalidad, edad, incapacidad, sexo, orientación sexual, identidad o expresión de género, condición de transexual, estado civil, estado de veterano o militar, ni religión. También ofrecemos servicios de interpretación gratuitos en distintos idiomas. Vea toda nuestra información sobre derechos de accesibilidad y opciones de idiomas.

Residentes de Florida: los planes para necesidades especiales con doble elegibilidad de FL están patrocinados por Humana Medical Plan, Inc., y la Agencia para la Administración del Cuidado de la Salud del estado de Florida.

Residentes de Tennessee: AVISO: TennCare no es responsable del pago de estos beneficios, salvo los montos de costos compartidos que correspondan. TennCare no es responsable de garantizar la disponibilidad o calidad de estos beneficios. Toda referencia a beneficios adicionales, extras o complementarios de Medicare corresponde únicamente a Medicare y no indica un incremento en los beneficios de Medicaid.

Residentes de Ohio: Para los planes Humana Cleveland Clinic HMO y D-SNP, nuestra red cuenta con proveedores auxiliares, como proveedores de laboratorio y de equipo médico duradero, y farmacias.

Las limitaciones de los servicios de medicamentos recetados y visitas de atención de la salud virtuales prestados a través de tecnología de acceso remoto y comunicaciones varían según el estado. Los servicios de visitas virtuales no sustituyen la atención de emergencias y no tiene por objeto reemplazar a su proveedor de cabecera ni a otros proveedores de la red de su plan. Este material se ofrece con fines informativos únicamente y no debería ser considerado como asesoramiento médico ni utilizado como sustituto de una consulta a un profesional médico con licencia.

Los proveedores fuera de la red/sin contrato no tienen obligación de atender a los afiliados de Humana, excepto en situaciones de emergencia. Llame a nuestro número de Servicio al Cliente o consulte su Evidencia de cobertura para obtener más información, incluyendo los costos compartidos que se aplican en los servicios fuera de la red.

Los planes Humana USAA Honor Giveback están disponibles para cualquier persona elegible para Medicare, y los veteranos deben considerar todas sus opciones de planes de salud.

El beneficio de reembolso de la Parte B pagará parte o la totalidad de su prima y el monto puede cambiar según lo que pague por la Parte B.

Las redes de farmacias del plan Humana Premier RX Plan (PDP) y del plan de medicamentos recetados Humana Value RX Plan (PDP) incluyen farmacias preferidas de menor costo en las áreas urbanas de AR, CT, DE, IA, IN, KY, MA, MI, MN, MO, ND, NJ, NY, OH, RI, SD, TN, WI, WV; áreas suburbanas de CT, DE, HI, IN, MA, MI, MN, MT, ND, NJ, NY, OH, PA, PR, RI, WI, WV; y áreas rurales de IA, MN, MT, ND, NE, SD, VT, WY. Hay una cantidad muy limitada de farmacias de costos compartidos preferidas en las áreas urbanas de los siguientes estados: DE, MI, MN, ND; las áreas suburbanas de MT y ND; y en las áreas rurales de ND. Es posible que los costos más bajos publicados en los documentos de nuestros planes para esas farmacias no estén disponibles en la farmacia en la que usted compra. Si desea obtener información actualizada acerca de nuestras farmacias de la red e incluso averiguar si en su área hay farmacias que ofrezcan menores costos, comuníquese con Atención al cliente llamando al 1-800-281-6918 (TTY: 711) o consulte el directorio de farmacias en línea ingresando a Humana.com.

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Actualizado por última vez: 4/12/2025