Supplemental and Medicare Advantage plans
Medicare doesn't cover all the costs of your health care, like co-payments and deductibles. Supplemental plans can help give you more complete coverage. Medicare Advantage plans, like Sharp Direct Advantage, combine Medicare Parts A, B and D with a monthly premium for more comprehensive care than stand-alone Medicare.
Medicare if you are not retired
If you or your spouse are still working, you have a few options when it comes to Medicare. You can continue on employer-based health insurance as long as the coverage is at least as good as Original Medicare. If it is, you will avoid any late enrollment penalties from Medicare and you do not have to enroll in Medicare Part A or Part B. If you prefer to join Medicare while you are still working, you can enroll in Medicare Part A and Part B, as well as an individual insurance plan like Sharp Direct Advantage. You could opt to keep your employer coverage or let your employer know you want to disenroll.
Medicare for individuals with low income
Medicare does offer options for individuals with limited financial resources. If you qualify under certain income levels, you may be eligible for special programs such as the state Medicare Special Program to help you pay your co-payments, deductibles and drug costs.
Medicare for individuals with disabilities
If you are under 65 and have a disability, you are eligible for Medicare after your 25th month of receiving disability benefits. You can enroll up to three months before your eligibility date.
Medicare for recent immigrants
Immigrants have to be legal U.S. residents for at least five years before they are eligible for Medicare, but they may be eligible for other governmental insurance, such as Medicaid, or paid insurance through the Health Marketplace. They may need to pay additional costs out of pocket, such as the Part A premium.