{"id":136,"date":"2022-07-19T13:08:43","date_gmt":"2022-07-19T19:08:43","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=136"},"modified":"2026-01-29T16:31:06","modified_gmt":"2026-01-29T23:31:06","slug":"medicare","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/insurance\/medicare\/","title":{"rendered":"Medicare"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-what-is-medicare-part-a\">What Is Medicare Part A?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Medicare Part A, also known as Original Medicare, is defined as hospital insurance. This means it covers the costs billed by hospitals or other similar inpatient settings. You\u2019ll need to enroll in Medicare Part A during your Initial Enrollment Period. If you are aging into the Medicare program, this runs from three months before your 65th birthday through three months after. If you miss your Initial Enrollment Period, you\u2019ll be charged a penalty fee when you eventually enroll.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-medicare-part-a-coverage-includes\">Medicare Part A coverage includes:<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Hospital Care<\/li>\n\n\n\n<li>Skilled Nursing Facility Care<\/li>\n\n\n\n<li>Nursing Home Care<\/li>\n\n\n\n<li>Hospice<\/li>\n\n\n\n<li>Home Health Services<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-what-is-medicare-part-b\">What Is Medicare Part B?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Medicare Part B is also known as Original Medicare and complements Medicare Part A. It covers outpatient services, preventative care, and durable medical devices. Some people will be automatically enrolled in Part B, while others will have to enroll on their own. If you receive Social Security benefits or Railroad Retirement benefits, your Part B premium will be automatically deducted from your monthly benefit checks.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-medicare-part-b-coverage-includes\">Medicare Part B coverage includes:<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Outpatient Services (Doctor Visits)<\/li>\n\n\n\n<li>Preventative Services<\/li>\n\n\n\n<li>Annual Wellness Visit<\/li>\n\n\n\n<li>Ambulance Transportation<\/li>\n\n\n\n<li>Durable Medical Devices<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-what-is-medicare-part-c\">What Is Medicare Part C?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Medicare Part C is more commonly known as \u201cMedicare Advantage\u201d because it is separate from Original Medicare parts \u201cA\u201d and \u201cB.\u201d Medicare Advantage plans are offered by private insurance carriers and can include more benefits than what the government Medicare program includes. Some people may even be able to get $0 premium Medicare Advantage plans.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-medicare-part-c-coverage-includes\">Medicare Part C coverage includes:<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Medicare Fitness Programs<\/li>\n\n\n\n<li>Non-Emergency Medical Transportation<\/li>\n\n\n\n<li>Dental &amp; Vision<\/li>\n\n\n\n<li>Sometimes Prescription Drug Coverage<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-what-is-medicare-part-d\">What Is Medicare Part D?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Medicare Part D provides prescription drug coverage to Medicare beneficiaries. Original Medicare (Part A and Part B) by itself does not provide any prescription drug coverage. You can get prescription coverage by either enrolling in a separate Part D plan or Medicare Advantage (Part C). Every Part D plan will have its own list of covered drugs and is divided into tiers based on drug costs. Generally, generic drugs are cheaper than brand-name drugs. Like any other plan, you\u2019ll have a Part D premium, deductible, and copayments.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-medicare-part-d-coverage-includes\">Medicare Part D coverage includes:<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Prescription Drug Coverage<\/li>\n\n\n\n<li>Multiple Tier Costs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-what-are-medicare-supplement-plans\">What Are Medicare Supplement Plans?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Medicare Supplement plans help you pay for your copayments, coinsurance, and deductibles. They are often called \u201cMedigap\u201d because they help you fill the gap between what your health insurance covers and what you need to pay for. Some Medigap plans include prescription drug coverage and other benefits, but most are simply designed to help you cover those pesky \u201cextra\u201d costs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-medicare-supplement-plans-include\">Medicare Supplement plans include:<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Help with Copayments, Coinsurance, and Deductibles<\/li>\n\n\n\n<li>Prescription Drug Coverage<\/li>\n\n\n\n<li>Coverage for Extra Costs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"calendar\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-medicare-enrollment-calendar\">Medicare Enrollment Calendar<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Did you know that each year you only have a small window to make changes to your Medicare plan? That\u2019s why it\u2019s so important to review your plan each year and decide if you want to make changes. Everyone is allowed to make changes in the Medicare program during the Annual Enrollment Period (AEP), from&nbsp;<strong>October 15 through December 7.<\/strong><\/p>\n\n\n\n<p>For a list of all other dates refer to the calendar below:<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Annual Enrollment Period<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Oct 15 -Dec 7<\/td><td>Anyone with Medicare can make a change.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Open Enrollment Period<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Jan 1 &#8211; Mar 31<\/td><td>Anyone with Medicare Advantage can make a change.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Initial Enrollment Period<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Depends on Eligibility<\/td><td>For those aging in, IEP begins three months before your 65th birthday and ends three months after.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>General Enrollment Period<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Jan 1 \u2013 Mar 31<\/td><td>Anyone who missed their IEP can enroll. Must wait until April 1 \u2013 June 30 for Medicare Advantage or Drug plan.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Special Enrollment Period<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Depends on Eligibility<\/td><td>Timing depends on eligibility<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-steps-to-medicare-enrollment\">Steps to Medicare Enrollment<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-step-1-basic-research\" style=\"font-style:normal;font-weight:700\">Step 1: Basic Research<\/h3>\n\n\n\n<ul class=\"wp-block-list tight-list has-lg-font-size\">\n<li>Learn the basics of Original Medicare, Medicare Advantage, Medicare Supplement, and Part D<\/li>\n\n\n\n<li>Contact your doctors to see if they accept Medicare<\/li>\n\n\n\n<li>Learn how your current coverage works with Medicare<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-step-2-organize-health-information\" style=\"font-style:normal;font-weight:700\">Step 2: Organize Health Information<\/h3>\n\n\n\n<ul class=\"wp-block-list tight-list has-lg-font-size\">\n<li>Create a list of all prescriptions including dosages and current costs<\/li>\n\n\n\n<li>Have your Social Security number<\/li>\n\n\n\n<li>Other Insurance plans and policy numbers<\/li>\n\n\n\n<li>Have health providers names, phone numbers, and addresses<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-step-3-meet-with-licensed-agent\" style=\"font-style:normal;font-weight:700\">Step 3: Meet with Licensed Agent<\/h3>\n\n\n\n<ul class=\"wp-block-list tight-list has-lg-font-size\">\n<li>Schedule an appointment with a licensed agent to discuss Original Medicare, Medicare Advantage, Medicare Supplement, and Part D<\/li>\n\n\n\n<li>Calculate monthly and yearly costs of premiums, deductibles, copays, and coinsurance<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/02\/Medicare_Photo-1.webp\" alt=\"Elderly couple on a cruise\" class=\"wp-image-4959\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-i-m-about-to-turn-65-and\">I&#8217;m About to Turn 65 and&#8230;<\/h2>\n\n\n\n<hr class=\"wp-block-separator alignwide has-alpha-channel-opacity\"\/>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I\u2019m retired.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">If you receive Social Security, you\u2019ll be automatically enrolled in Part A and B. If you do not receive Social Security, you need to enroll in Part A and B yourself. It is important that you enroll during your Initial Enrollment Period (IEP) to avoid any late-enrollment penalties.<\/p>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I have Railroad Retirement Benefits.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">If you are currently receiving benefits, you will be automatically enrolled in Part A and B. If you have collected benefits in the past, but are no longer receiving benefits, contact RRB to enroll in Medicare.<\/p>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I\u2019m covered through my spouse.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">Have your spouse contact their HR to determine if coverage will continue. If coverage continues, you can defer enrollment in Part A and B.<\/p>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I\u2019m still working.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">You should still enroll in Part A because it\u2019s premium-free if you have worked and paid Medicare taxes for 10 years. If your employer has more than 20 employees, you can defer enrollment. If your employer has less than 20 employees, you still need to enroll in Part B to avoid a late-enrollment penalty. Also, confirm that your employer\u2019s prescription coverage meets Medicare\u2019s credibility requirements. If it does not, you can purchase a Part D plan.<\/p>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I am a veteran.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">If you have VA coverage when you turn 65, you are not required to enroll in Part A or B. However, you may still want to for additional coverage.<\/p>\n\n\n\n<h4><i style=\"color: #1C8900;\" class=\"fa-solid fa-comment\"><\/i> I have COBRA.<\/h4>\n\n\n\n<p class=\"has-lg-font-size\">COBRA coverage generally ends when you enroll in Medicare. Enroll in Part A and B during your Initial Enrollment Period to avoid a late-enrollment fee.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Request More info<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<section id=\"meet-the-team\" class=\"o-meet-the-team \">\n    <div class=\"o-meet-the-team__inner\">\n                    <h2 class=\"o-meet-the-team__heading\">Meet the Team<\/h2>\n        \n                    <ul class=\"o-meet-the-team__list\">\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/rachel-hazelbush.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Rachel Hazelbush\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Rachel Hazelbush\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:rhazelbush@iccu.com\">rhazelbush@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12082393033\">208-239-3033<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/04\/2025_Anthony_Martinez.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Anthony Martinez\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Anthony Martinez\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> North Idaho<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:ammartinez@iccu.com\">ammartinez@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12088517167\">208-851-7167<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/08\/Nick_Wells_.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Nick Wells\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Nick Wells\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<br> <span style = \"line-height: 1.5;\">Hablo Espa\u00f1ol<\/span><\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:nwells@iccu.com\">nwells@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12086467398\">208-646-7398<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/10\/Quintin_Harral.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Officer, Quintin Harral\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Quintin Harral\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Southeast Idaho<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:qharral@iccu.com\">qharral@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12086467454\">208-646-7454<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/12\/Jesus-Morales_Websitephoto.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent, Jesus Morales\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Jesus Morales\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<br> <span style = \"line-height: 1.5;\">Hablo Espa\u00f1ol<\/span><\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley\/Magic Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:jmorales@iccu.com\">jmorales@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12088490256\">208-849-0256<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-contact-us\">Contact Us<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Have questions? Feel free to contact our Insurance Services Team to get started today. We love questions!<\/p>\n\n\n\n<p class=\"has-lg-font-size\"><strong><a href=\"tel:2089857427\">(208) 985-7427<\/a><\/strong> (TTY 711)<br>Monday-Friday: 8:30am-5:30pm MT<br><a href=\"mailto:insuranceservices@iccu.com\">insuranceservices@iccu.com<\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"293\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero.webp\" alt=\"Business man smiling\" class=\"wp-image-4912\" srcset=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero.webp 390w, https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero-285x214.webp 285w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-xs-font-size\">We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. There is no obligation to enroll in order to receive our services. Not endorsed by or affiliated with Medicare. ICCU Insurance Services, LLC is a wholly-owned subsidiary of ICCU and a licensed insurance agency. Business conducted with ICCU Insurance Services, LLC is separate and distinct from any business conducted with ICCU. Insurance products are not products or obligations of ICCU, are not NCUA or federally insured, are not endorsed or guaranteed by ICCU or any government agency and may lose value.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"175\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/iccu_ins_logo.webp\" alt=\"Insurance services logo\" class=\"wp-image-22689\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>What Is Medicare Part A? Medicare Part A, also known as Original Medicare, is defined as hospital insurance. This means [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4958,"parent":1050,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-136","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Medicare - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/insurance\/medicare\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare\" \/>\n<meta property=\"og:description\" content=\"What Is Medicare Part A? 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