With MedicareCU, We Can Help You Make Important Decisions About Medicare
MedicareCU is a free service. If you are 65 or older and ready to enroll in Medicare, we
can help you with understand your options and make the best choices. There are just 5 simple steps to
enrolling for MedicareCU:
Step 1: Contact Your Credit
Union Medicare Advisor
Reach out to your UFirst Credit Union Medicare Advisor for assistance. Click on the name of your Medicare
advisor below to apply online, or give them a call.
Gordon Furness: 801-455-8700 ext
801-448-1292 ext 2651
Your Advisor will help you better understand Medicare and the options you have based on your specific needs.
They will also coach you through signing up for Medicare so that you are covered correctly. Medicare can be
very confusing and now you have a trusted source for information and help. Your credit union Advisor is ready
Step 2: Knowing When You Can
Your Initial Enrollment Period (IEP) is your first chance to sign
up for Medicare. It begins 3 months before you turn 65, includes your 65th birthday month, and lasts 3 more
months after your birthday month. So, you have a total of 7 months to enroll in Medicare.
We recommend enrolling during the first 3 months of your IEP. Coverage may be delayed if you enroll during
your birthday month or later.
Step 3: Learn about Original
Original Medicare is made up of Part A and Part B. It’s provided by the federal government.
- Medicare Part A helps cover inpatient care in a hospital or skilled nursing facility.
Most people get Part A without having to pay a monthly premium. People who do pay a premium may pay up to
$411 per month in 2016.
- Medicare Part B helps cover outpatient care like doctor visits and preventive screenings.
Your Part B premium is based on when you enrolled in Medicare and on your income. The amount ranges from
$104.90 up to $389.80 per month in 2016.
Other out-of-pocket costs with Original Medicare may include
deductibles, co-pays and co-insurance.
Step 4: Learn about Private Medicare Plans and Medicare Supplement Insurance
Medicare contracts with private insurance companies to offer more coverage choices to beneficiaries.
- Medicare Advantage (Part C) is an alternative to Original Medicare. Plans must provide
the same coverage as Parts A and B. Many plans also offer additional benefits, like coverage for
prescription drugs and routine dental and vision care, all in one plan.
- Medicare Part D helps pay for prescription drugs. This coverage is not included with
You can add drug coverage through a standalone Part D prescription drug plan. Or you may enroll in a Medicare
Advantage plan with drug coverage included. You may have many private Medicare plans to choose from depending
on where you live. Coverage, premiums and out-of-pocket costs may differ from plan to plan. It’s important to
shop around [if you want coverage beyond what Original Medicare provides].
Medicare supplement insurance plans (Medigap) help cover some out-of-pocket costs that
Original Medicare (Parts A and B) doesn’t pay. Plan availability may vary from state to state.
You must be enrolled in both Part A and Part B before you can join a private Medicare plan or a Medicare
supplement insurance plan.
Step 5: Decide and Enroll
You’ll be automatically enrolled in Original Medicare (Parts A and B) if you are getting Social Security
benefits when you turn 65. You’ll get your Medicare card in the mail several months before your birthday.
Otherwise, you may enroll yourself at your local Social Security office or at Medicare.gov. Certain late enrollment penalties may apply if you miss or delay
enrolling during your IEP.
You might consider enrolling in just Part B if you are working past age 65 and have employer coverage. Your
employer plan must meet certain requirements to be “creditable.” Talk with your benefits manager about how
your employer plan might work with Medicare.
You have other choices if you enroll in both Part A and Part B. You may:
- Add a Part D prescription drug plan to Original Medicare
- Add a Medicare supplement insurance plan to Original Medicare
- Join a Medicare Advantage plan (Part C) instead
Enrolling in Medicare is a big change in your life. You may feel overwhelmed with information and choices.
Remember, UFirst's Medicare Advisors can help you navigate your options and obtain the right plan for
We recommend you start early and take time to understand the options you have.
Contact your UFirst Credit Union Medicare Advisors for more information and to schedule a no-cost
Gordon Furness: 801-455-8700 ext
Joel Furness: 801-448-1292 ext 2651
No cost. No obligation. Not affiliated with any government agency. Information provided by
UFirst Credit Union in partnership with MedicareCU. By calling, you may be contacted by a licensed
agent to discuss Medicare products. www.MedicareCU.com
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MedicareCU is not associated with or endorsed by Medicare, the
Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS)
or any other government agency, Medicare has neither reviewed or endorsed this information. For a
complete list of plans in your area please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users
should call -1-877-466-2048) 24 hours a day/7 days a week or consult ww.medicare.gov)