Medicare Education and Support
Medicare Education and Support
Are you or your spouse/partner turning 65?
The federal government provides you with health insurance during retirement—Medicare.
Medicare basics
Generally, you are eligible for Medicare if you are age 65 or older, or if you receive Social Security disability benefits, regardless of your age. Here are a few important things to note:
If you retire when you are age 65 or older, you are immediately eligible for Medicare.
If you retire before age 65, you become eligible for Medicare when you reach age 65.
Once you are enrolled in Medicare, you have the option of signing up for a Medicare Advantage plan. You still keep your Medicare Part A (hospital insurance) and Part B (medical insurance), but instead of getting those benefits directly from the government, you get them through the insurance company. Medicare Advantage plans bundle all your Medicare coverage, including prescription drug coverage.
Except for cases of Social Security disability, you are not Medicare-eligible if you are under age 65.
Medicare coverage Parts A and B—you must enroll when you are first eligible
You or a covered family member needs to enroll for both Parts A and B of Medicare when you first become eligible. If you do not sign up for Part B when you are first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B but didn’t sign up for it.
Additionally, enrollment is necessary when first eligible to avoid a gap in coverage. For more information about your Medicare eligibility and to sign up for Parts A and B, call 1-800-MEDICARE (1-800-633-4227) or visit medicare.gov and click the “Get started with Medicare” button.
Get Started
For more information about your Medicare eligibility or to sign up, call Social Security at 1-800-772-1213 or visit medicare.gov and click the “Get started with Medicare” button.
Need help understanding your Medicare plan choices and enrollment?
SmartConnect: Your Medicare concierge
Experts at SmartConnect can help you or your family members navigate Medicare options. They can:
Offer Medicare education and guidance
Compare Chubb plan with alternative Medicare plans
Assist you with decision-making
Help with enrollment and coordination with the carrier
You can call SmartConnect at 1-877-374-2705, Monday through Friday, 8:30 a.m. to 6 p.m. ET.
SmartMatch
Connect with Medicare experts who can help you make choices right for you.
Contact SmartMatch to book an appointment to speak with a Medicare expert, view and download Medicare resources, or register for upcoming webinars.
Fidelity Medicare Services
You also have access to the resources at Fidelity Medicare Services, which can assist with researching Medicare plan options and compare them with Chubb’s options for retiree health coverage, by phone or online. They can provide education on Medicare coverage that meets your personal needs and preferences.
Call Fidelity Medicare Services at 1-833-886-0033 Monday through Friday, 8:30 a.m. to 8 p.m. ET or visit online at fidelity.com.
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