[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Fprepare-for-enrollment-master":3},{"data":4},{"pageByPath":5},{"item":6},{"components":7,"disclaimers":179,"annoucementBar":186},[8,32,36,40,43,58,61,64,78,81,107,118,121,158],{"typename":9,"complianceLinks":10,"navigationLinks":11,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":19,"alt":20,"images":10,"narrowCallOut":21,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":29,"primaryButton":10,"secondaryButton":10,"alertBar":10},"HeaderModel",null,[12,16],{"text":13,"target":14,"href":15,"parentText":10},"Learning Hub","_self","\u002Flearning-hub",{"text":17,"target":14,"href":18,"parentText":10},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand","Reliance Brand",{"firstLevelHeading":22,"secondLevelHeading":23,"hoursOfOperation":10,"ttyNumber":24,"iconPath":25},"Need help?","Call a licensed sales agent","711",[26],{"alt":27,"imagePath":28},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":30,"colorClass":31},"Search plans","primary",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":34,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"TextBlockModel",{"html":35},"\u003Ch1>\u003Cb>Prepare for enrollment \u003C\u002Fb>\u003C\u002Fh1>\n\u003Cp>Before picking your plan, make sure you have what you need. Confirm your enrollment eligibility and mark your calendar with deadlines. \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>\u003Cb>Are you eligible for Medicare?\u003C\u002Fb>\u003C\u002Fh2>\n\u003Cp>You may be eligible for Medicare if you meet the following requirements:\u003C\u002Fp>\n\u003Cp>You are a US citizen or permanent legal resident for at least five years plus one of the following: \u003C\u002Fp>\n\u003Cul>\n\u003Cli>You are age 65 or older\u003C\u002Fli>\n\u003Cli>You have received Social Security disability for at least two years\u003C\u002Fli>\n\u003Cli>You have Lou Gehrig’s disease or permanent kidney failure\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>\u003Cb>When can you enroll or change your plan?\u003C\u002Fb>\u003C\u002Fh2>\n\u003Cp>The enrollment window depends on a few things. Use the information below to decide when you can enroll.\u003C\u002Fp>\n\u003Cp>Please note: During the Medicare Advantage Open Enrollment Period from January 1 to March 31, you can:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cp>Switch to a different Medicare Advantage plan from your current one\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cul>\n\u003Cli>\u003Cp>Disenroll from your current Medicare Advantage plan and return to Original Medicare Parts A&B\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>\u003Cb>If you’re new to Medicare\u003C\u002Fb>\u003C\u002Fh3>\n\u003Cp>Whether you’re turning 65 or are new to Medicare, we have the answers to your enrollment timing questions.\u003C\u002Fp>\n\u003Ch4>\u003Cb>You are turning 65\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>Those who are about to turn 65, or just turned 65, are eligible for the Initial Enrollment Period.\u003C\u002Fp>\n",{"typename":37,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":38,"alt":39,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"ImageModel","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FEnrollment_Graphic","An infographic shows when you can enroll in Medicare.",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":41,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},{"html":42},"\u003Ch4>\u003Cb>When can I enroll? \u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>You will become eligible for Medicare the month of your 65th birthday. Your seven-month initial enrollment window starts three months before your 65th birthday and continues through the three months after. This is when you can enroll in Original Medicare Part A and Part B, as well as a Medicare Advantage plan with a private insurance company. \u003C\u002Fp>\n\u003Ch4>\u003Cb>What do I need to do?\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>If you’re already receiving Social Security benefits, then you most likely are already enrolled in Original Medicare Parts A&B. You should get your Original Medicare card and details in the mail three months before your birth month. If you get Social Security payments, you can choose to have your part B premium paid from your payment once your coverage starts. If you choose, you can enroll in a Medicare Advantage plan through a private insurance company. You will be able to pick a plan any time within your seven-month initial enrollment window.\u003C\u002Fp>\n\u003Ch4>\u003Cb>When will my Medicare coverage start?\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>If you sign up during the first three 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.\u003C\u002Fp>\n",{"typename":44,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":45,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"AccordionSetModel",[46,50,54],{"heading":47,"bodyCopy":48},"You delayed your initial enrollment period, but are now ready to enroll",{"html":49},"\u003Cp>\u003Cb>When can I enroll?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You can enroll in Original Medicare Part A as soon as you become eligible, while enrollment in Original Medicare Part B can be delayed. The delay is typically due to having coverage through your job or your spouse’s. Once your coverage ends, you will have eight months to enroll in Original Medicare or a private insurance plan. \u003C\u002Fp>\n\u003Cp>\u003Cb>What do I need to do?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You will need to submit an application with Medicare to request enrollment in your Part B coverage.\u003C\u002Fp>\n\u003Cp>\u003Cb>When will my coverage start? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>For most people, your coverage starts on the first day of the month after you enroll.\u003C\u002Fp>\n",{"heading":51,"bodyCopy":52},"You have become eligible due to a disability",{"html":53},"\u003Cp>\u003Cb>When can I enroll?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>If you have received disability insurance payments from Social Security or the railroad retirement board for 24 consecutive months, you will be eligible for Medicare at the beginning of your 25th month.\u003C\u002Fp>\n\u003Cp>\u003Cb>What do I need to do? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You will enroll automatically. You should get your Original Medicare card and details in the mail three months prior to month 25 on disability. If you get Social Security payments, your Part B premium will be paid from your balance once your coverage starts. If you choose, you can enroll in a Medicare Advantage plan with a private insurance company. You can pick a plan three months before, the month of, and three months after your 25th month of receiving Social Security. \u003C\u002Fp>\n\u003Cp>\u003Cb>When will my coverage start?  \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Your Original Medicare Part A and Part B coverage is effective at the start of month 25 of disability. If you choose, you can enroll in more coverage through a private insurance company. You can pick a plan three months before, the month of, and three months after your 25th month of receiving Social Security.\u003C\u002Fp>\n",{"heading":55,"bodyCopy":56},"You missed your initial enrollment period",{"html":57},"\u003Cp>If you miss your initial enrollment period, you can 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 begins the month after you apply. Depending on your situation, you may not be able to sign up for private insurance Medicare Advantage plans at this time. You may have to wait until the next annual enrollment period. You may also have to pay late enrollment fees.\u003C\u002Fp>\n",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":59,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},{"html":60},"\u003Ch3>\u003Cb>If you’re switching to a new plan\u003C\u002Fb>\u003C\u002Fh3>\n\u003Cp>If you already have a Medicare plan, you can switch each year from October 15 to December 7.\u003C\u002Fp>\n",{"typename":37,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":62,"alt":63,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRGB_Calendar","An infographic shows the Annual Enrollment period between October 15 and December 7. ",{"typename":44,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":65,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},[66,70,74],{"heading":67,"bodyCopy":68},"Common enrollment questions",{"html":69},"\u003Cp>\u003Cb>When can I enroll in Original Medicare? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Most people enroll in Original Medicare Part A when it is available, but some choose to delay enrollment in Original Medicare Part B. This is most often due to having coverage through their job or their spouse’s. Once your coverage ends, most likely due to retirement, you will have eight months to enroll in Medicare and a private insurance plan. \u003C\u002Fp>\n\u003Cp>\u003Cb>What do I need to do? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You can request Medicare Part A coverage from the Social Security Administration either online or by phone. If you choose to delay enrolling in Part B coverage, then when you’re ready, you’ll need to apply with Medicare directly for your Part B.\u003C\u002Fp>\n\u003Cp>\u003Cb>When will my coverage start? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>In most cases, your coverage begins on the first day of the month after you enroll.\u003C\u002Fp>\n",{"heading":71,"bodyCopy":72},"Common questions about Original Medicare for people receiving disability payments",{"html":73},"\u003Cp>\u003Cb>When can I enroll? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>If you have received 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.\u003C\u002Fp>\n\u003Cp>\u003Cb>What do I need to do? \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You will be automatically enrolled in Original Medicare, so you won’t have to actively apply or request it. You should get your Original Medicare card and details in the mail three months before month 25 on disability. If you get Social Security payments, your Part B premium will be deducted from your payment once your coverage starts. If you choose, you can enroll in a Medicare Advantage plan with a private insurance company. You can pick a plan three months before, the month of, and three months after your 25th month of receiving disability benefits. \u003C\u002Fp>\n\u003Cp>\u003Cb>When will my coverage start?  \u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Your Original Medicare Part A and Part B coverage will start at the beginning of month 25 of disability. If you choose, you can enroll in more coverage through a private insurance company. You can pick a plan 3 months before, the month of, and three months after your 25th month of receiving disability benefits.\u003C\u002Fp>\n",{"heading":75,"bodyCopy":76},"Common questions about dual eligibility",{"html":77},"\u003Cp>You are considered “dual eligible” if you can enroll in both Medicare and Medicaid. Enrollment windows for Medicaid will vary by location and need, so check with your local Medicaid office or \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicaid.gov\u002F\" target=\"_blank\">visit Medicaid.gov\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cp>If you miss your Original Medicare initial enrollment period, you can 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 the month after you enroll. Depending on your situation, you may not be able to sign up for private insurance Medicare Advantage plans at this time. You will have to wait until the next annual enrollment period. You may also have to pay late enrollment fees unless your current coverage type waives it.\u003C\u002Fp>\n",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":79,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},{"html":80},"\u003Ch4>\u003Cb>When can I enroll?\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>The Medicare Advantage Annual Enrollment Period is Oct 15 – Dec 7 each year. Anyone with Original Medicare can enroll in a Medicare Advantage or Prescription Drug plan for the first time. You can also switch Medicare Advantage plans during this period or drop your Medicare Advantage plan and return to Original Medicare.\u003C\u002Fp>\n\u003Ch4>\u003Cb>What do I need to do to enroll in Medicare Advantage?\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>You can shop, compare, and apply for Medicare Advantage coverage online or by calling a licensed sales agent. You can do this with the insurance company you want to enroll with directly or with another Medicare Advantage sales site.\u003C\u002Fp>\n\u003Ch4>\u003Cb>When will my Medicare Advantage coverage start?\u003C\u002Fb>\u003C\u002Fh4>\n\u003Cp>Your new plan will start on Jan 1 of the new year.\u003C\u002Fp>\n",{"typename":44,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":82,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},[83,87,91,95,99,103],{"heading":84,"bodyCopy":85},"Do I need to renew my Medicare Advantage plan each year?",{"html":86},"\u003Cp>No, if your plan is still offered for the upcoming year, you don’t have to do anything to keep your current coverage. As long as you remain eligible, you can automatically renew your plan each year.\u003C\u002Fp>\n",{"heading":88,"bodyCopy":89},"How will I be notified of a change to my current Medicare Advantage plan?",{"html":90},"\u003Cp>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 for the next plan year. This letter will detail the changes in coverage, cost, service area, and benefits that will take effect in January. If these changes no longer meet your needs, you can shop for a new plan during the Medicare Advantage Annual Enrollment Period from Oct 15 – Dec 7.\u003C\u002Fp>\n",{"heading":92,"bodyCopy":93},"Am I locked into my current Medicare Advantage plan?",{"html":94},"\u003Cp>No. There are two opportunities each year to make changes to your Medicare Advantage plan. \u003C\u002Fp>\n\u003Cp>During the Medicare Advantage Annual Enrollment Period from October 15 to December 7, you can:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Switch to a different Medicare Advantage plan from your current one\u003C\u002Fli>\n\u003Cli>Disenroll from any coverage and go back to Original Medicare Parts A & B \u003C\u002Fli>\n\u003Cli>Switch your Prescription Drug plan to a different Prescription Drug plan\u003C\u002Fli>\n\u003Cli>Enroll in a Medicare Advantage plan to replace your Original Medicare \u003C\u002Fli>\n\u003Cli>Enroll in a Prescription Drug plan \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>During the Medicare Advantage Open Enrollment Period from January 1 to March 31, you can:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Switch to a different Medicare Advantage plan from your current one\u003C\u002Fli>\n\u003Cli>Disenroll from your current Medicare Advantage plan and return to Original Medicare Parts A&B\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>From April 1 – Oct 14, you will need to qualify for a special enrollment period to switch plans. Not everyone is eligible to enroll at this time. Speak to a licensed sales agent to ask questions or change plans during this time. If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan, or go back to Original Medicare within the first 3 months you have Medicare.\u003C\u002Fp>\n",{"heading":96,"bodyCopy":97},"Should I enroll in Original Medicare if I’m still working or on my spouse’s plan?",{"html":98},"\u003Cp>Whether you are working or not, you will be eligible for your Medicare benefits when you turn 65 or qualify due to disability. You’ll have to decide if you want to enroll in Original Medicare or stay on your job’s plan. \u003C\u002Fp>\n\u003Cp>Your answer may differ for Original Medicare Part A and Part B. For Part A (hospital insurance), if you’ve been paying for Medicare via payroll deductions throughout your career, you’ll generally have no premium. This means you may want to enroll in Part A when you’re first eligible. For Part B (medical insurance), most people will have a standard monthly premium when they sign up. It is $202.90 in 2026. To find the best fit for you, talk with your employer or a licensed sales agent.\u003C\u002Fp>\n",{"heading":100,"bodyCopy":101},"Is Prescription Drug coverage required?",{"html":102},"\u003Cp>Yes. You will need coverage for prescription drugs. You can buy a stand-alone Prescription Drug plan, or an all-in-one Medicare Advantage Prescription Drug plan from a private company. If you don’t enroll in coverage during your initial enrollment period, and you can’t show creditable coverage was in place during this time, you may have to pay a late enrollment penalty.\u003C\u002Fp>\n",{"heading":104,"bodyCopy":105},"Do I pay a penalty if I don’t enroll in Medicare when I first become eligible?",{"html":106},"\u003Cp>According to Medicare.gov, “If you miss your seven-month Initial Enrollment Period, you may have to wait to sign up. You may have to pay a monthly late enrollment fee 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 coverage.\u003C\u002Fp>\n",{"typename":108,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":109,"accordions":10,"sideBarList":10,"hours":10,"heading":115,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":116,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"CategorySetModel",[110],{"imagePath":10,"link":111,"heading":112,"ctaLabel":113,"bodyCopy":114},"\u002Flearning-hub\u002Fcost\u002Freview-cost-coverage","Step 2: Review cost and coverage ","Next Step",{"html":10},"Congrats! You’ve learned how to prepare to enroll!",{"html":117},"\u003Ch4>Have questions? Speak with a licensed Medicare sales agent\u003C\u002Fh4>\n\u003Cp>##phoneNumber## | (TTY: 711) ##hoursOfOperation##\u003C\u002Fp>\n",{"typename":33,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":119,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},{"html":120},"\u003Cp>Sources\u003C\u002Fp>\n\u003Cp>1 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fget-started-with-medicare\u002Fsign-up\u002Fhow-do-i-sign-up-for-medicare\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fget-started-with-medicare\u002Fsign-up\u002Fhow-do-i-sign-up-for-medicare\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>2 \u003Ca data-ispdf=\"false\" data-iscta=\"false\" href=\"https:\u002F\u002Fwww.rrb.gov\u002FResources\u002FRailroadRetirementHandbook\" target=\"_blank\" rel=\"noopener noreferrer\">https:\u002F\u002Fwww.rrb.gov\u002FResources\u002FRailroadRetirementHandbook\u003C\u002Fa>\u003C\u002Fp>\n",{"typename":122,"complianceLinks":123,"navigationLinks":130,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":10,"hours":10,"heading":10,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":141,"bodyCopy":10,"imagePath":151,"alt":20,"images":10,"narrowCallOut":152,"lastPublishedDate":155,"copyright":156,"phoneNumber":10,"cmsId":157,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"FooterModel",[124,127],{"typename":10,"text":125,"href":126,"target":14},"Privacy Policy","\u002Fprivacy-policy",{"typename":10,"text":128,"href":129,"target":14},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[131,134,138,140],{"text":132,"target":14,"href":133,"parentText":10},"Find Plans","#find-plans",{"text":135,"target":136,"href":137,"parentText":10},"Shop by benefit","_blank","\u002F",{"text":139,"target":136,"href":18,"parentText":10},"About Reliance",{"text":13,"target":136,"href":15,"parentText":10},[142,145,148],{"alt":143,"imagePath":144},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":146,"imagePath":147},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":149,"imagePath":150},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand?fmt=png-alpha",{"firstLevelHeading":22,"secondLevelHeading":23,"hoursOfOperation":10,"ttyNumber":24,"iconPath":153},[154],{"alt":27,"imagePath":28},"2025-10-15","© Reliance Medicare Helpline 2026","MULTIPLAN_GHHMQ6FEN_2026_WEB_M",{"typename":159,"complianceLinks":10,"navigationLinks":10,"contextualEntryItems":10,"testimonials":10,"highlights":10,"accordions":10,"sideBarList":160,"hours":10,"heading":178,"firstLevelHeading":10,"secondLevelHeading":10,"hoursOfOperation":10,"ttyNumber":10,"iconPath":10,"bodyCopy":10,"imagePath":10,"alt":10,"images":10,"narrowCallOut":10,"lastPublishedDate":10,"copyright":10,"phoneNumber":10,"cmsId":10,"button":10,"primaryButton":10,"secondaryButton":10,"alertBar":10},"SideBarSetModel",[161,164,166,169,172,175],{"heading":162,"target":14,"href":163},"Prepare for enrollment","\u002Flearning-hub\u002Fenrollment\u002Fprepare-for-enrollment",{"heading":165,"target":14,"href":111},"Review cost and coverage",{"heading":167,"target":14,"href":168},"The importance of additional coverage","\u002Flearning-hub\u002Fcoverage\u002Funderstand-coverage-gaps",{"heading":170,"target":14,"href":171},"Explore Medicare Advantage","\u002Flearning-hub\u002Fmedicare-basics\u002Fexplore-medicare-advantage",{"heading":173,"target":14,"href":174},"Evaluate your options with Medicare Advantage plans","\u002Flearning-hub\u002Fplan-types\u002Fevaluate-your-options",{"heading":176,"target":14,"href":177},"Make an educated decision","\u002Flearning-hub\u002Fenrollment\u002Fmake-an-educated-decision","Learning hub",[180],{"disclaimerCopy":181,"dropdownTitle":183,"dropdownCopy":184},{"html":182},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.\u003Cbr>\n\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n","Pre Zip Code",{"html":185},"\u003Cp>The spending allowance, Extra Debit, Chronic Condition Care Assistance, Music Therapy is a special program for members with specific health conditions. Qualifying conditions include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions and other requirements apply. See the plan's Evidence of Coverage for details. If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income if you seek assistance. Contact your local HUD office if you have questions.\u003C\u002Fp>\n\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area for 2026. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options. These numbers reflect our national offerings. To locate a plan in your service area, please enter your zip code or call one of our licensed sales agents.\u003C\u002Fp>\n\u003Cp>\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n",{"type":10,"bodyCopy":187,"iconPath":10,"tooltipTile":10},{"html":188},"\u003Cp>Reliance Medicare Helpline is an insurance agency with no government affiliation\u003C\u002Fp>\n"]