Member:

"When it comes to Medicare, there's so much to know and so many options to consider. It can be really overwhelming."

RedShirt:

Medicare is complicated, so we've put together some helpful videos and online materials to make the decision process a little easier.

Here you'll learn about the different parts of Medicare, enrollment deadlines, tips for choosing a plan and much more.

To get you started, we've come up with five things everyone should know about Medicare, even before they start their research.

Number 1: You're eligible for Medicare when you turn 65, or younger if you have a qualifying disability.

Number 2: Your first decision will be whether you want Original Medicare or a Medicare Advantage plan. Within these two options, there are many other choices you'll need to make as well.

Number 3: Timing is crucial. That's why it's so important to learn about your Medicare options well before you're eligible. You want to be ready for all those deadlines.

Number 4: Medicare doesn't cover all your health care expenses. You may have copays, deductibles and other payments for both Original Medicare and a Medicare Advantage plan.

Number 5: And don't worry, if it turns out that the choice you made doesn't work for you, there is one time each year where you're allowed to change plans, called the annual enrollment period.

So whether you're only 62 or just a few months away from turning 65, learning the fundamentals early will help you make an informed decision when the time comes.

To learn more about all your Medicare options, stop into an Independent Health Medicare Information Center and talk to a RedShirt. We're here to help you.

For more information, call Independent Health at:

(716) 635-4900 or 1-800-958-4405

A sales person will be present with information and applications. For accommodations of persons with special needs at sales meetings, please call (716) 635-4900 or 1-800-958-4405 (TTY users call 1-888-357-9167), October 1 – February 14: Monday – Sunday, 8 a.m. – 8 p.m., February 15 – September 30: Monday – Friday, 8 a.m. – 8 p.m.