Quick Tips

With no prior coverage, there is a pre-existing condition exclusion.

Group insurance requires 60-75% of all eligible employees to participate.  Eligible employees are those who meet requirements set up by the employer-such as  # of hours worked and # of days employed. 

Medicare Part A helps pay for hospital expenses and is available without cost for those eligible. Medicare Part B helps pay for medical expenses and requires premium payment, generally deducted from the monthly Social Security check.  With Medicare parts A&B in place, a supplemental policy and a Part D policy for prescription drug coverage should be purchased.