Get The Most From Medicare with Chapter

Choose the right Medicare plan with Chapter’s free support

Medicare is a federal health insurance program with private insurance options for U.S. adults age 65 or older and younger people who receive disability benefits.

Understanding Medicare is no walk in the park. That’s why we want to provide you with a resource that will help you confirm that you’re on the right plan, or help you switch plans if not. WorkMoney partner, Chapter, can help you choose the right plan for you. Speaking with them is completely free.

Speak to an advisor now

Chapter's team can help you to confirm Medicare eligibility, sign up for Medicare, search every Medicare option available, or answer any questions you have.

Call (800) 440-0497

Schedule a meeting

Schedule one-on-one time with a dedicated Medicare Advisor at Chapter.

Schedule a meeting

Disclaimers

WorkMoney.org is not affiliated with, endorsed by, or otherwise related to the federal government, CMS, HHS, and/or Medicare.

Insurance agency services are provided by Chapter Advisory, LLC (“Chapter”), a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter, WorkMoney, and their respective affiliates are not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. WorkMoney may receive compensation from Chapter in relation to this offer.

Frequently Asked Questions And Answers About Medicare From Chapter Advisors

What is Medicare?

Medicare has four parts and each part offers specific coverage and varies in cost. Part A covers hospital care and related services. Part B covers doctor appointments and outpatient medical care. Part C covers the same benefits of Parts A and B but is offered by private insurers. Part D covers prescription drugs.

Original Medicare

Original Medicare refers to Medicare Part A and Medicare Part B, which are managed by the federal government. People can see any doctor that accepts Medicare assignment and the government program pays a significant portion of the cost.

Read more here:

What is Medicare eligibility?

You’re entitled to Medicare if you’re at least 65 and a U.S. citizen, or a permanent legal resident for the past five years. Medicare also covers some people under age 65 who have a disability, end stage kidney disease (ESKD), end stage renal disease (ESRD) or ALS.

How do you enroll in Medicare?

If you’re receiving Social Security benefits when you turn 65, you'll be enrolled automatically in Medicare Part A, which covers hospital costs, and Part B, which covers doctor visits. If you want Medicare Part D prescription drug coverage, you’ll need to enroll yourself — that’s not automatic.

If you’re not receiving Social Security benefits, you’ll sign up for Medicare through the Social Security Administration website. You typically should do so in the seven-month window around your 65th birthday (which includes the three months before the month you turn 65, your birthday month, and the three months after your birthday month) to avoid permanent penalties and long waiting times for your insurance to start.

If you want Medicare Supplement Insurance, or Medigap, you would sign up during the six-month Medigap enrollment period, which starts the month you turn 65 and are enrolled in Medicare Part B. The private insurers who provide Medigap plans are required to take you if you sign up during that period. Otherwise, there is no guarantee they will sell you a Medigap plan, or they could charge you more for a plan.

How to enroll in Medicare

If you’re enrolling yourself, you can sign up in one of three ways:

Apply for Medicare online at Social Security’s site.
Call Social Security at 800-772-1213.
Contact your local Social Security office.

NOTE: The online application typically takes less than 10 minutes.

How does Medicare compare to Medicaid?

Medicare is an insurance program primarily serving people over 65 no matter their income level, and those on SSDI and with certain illnesses. Medicare is a federal program, and it’s the same everywhere in the U.S.

Medicaid is an assistance program, serving low-income people of all ages, and patient financial responsibility is typically small or nonexistent. Medicaid is a federal-state program, and it varies state to state.

Read more here: Medicare vs. Medicaid

What is the Medicare Open Enrollment Period?

The Medicare Open Enrollment Period lasts from October 15th - December 7th every year.

During the annual Open Enrollment Period, you can:

Switch from a Medicare Advantage (Part C) plan to Original Medicare (Parts A & B)
If you do this, you may also enroll in a stand alone Prescription Drug (Part D) plan and/or a Medigap (aka Medicare Supplement) plan
Switch from Original Medicare (Parts A & B) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage (Part C) plan to another
Add, drop, or change Prescription Drug (Part D) coverage

Chapter Advisors can provide you with an annual review of your coverage and help you shop around for better options. They can also help you submit any necessary paperwork, confirm your enrollment and provide you with year-round support and guidance. Your new coverage will come into effect on January 1, 2025.

How does Chapter work?

Chapter is an independent Medicare advisor. They can recommend both Medicare Supplement (Medigap) and Medicare Advantage (Part C) plans, along with Part D Prescription drug plans. They can also help you enroll in Parts A & B, which are the two parts of Original Medicare.

How does Chapter make money?

Like many Medicare advisors, they earn a fee paid by insurance companies.

They recommend coverage options for you by searching among all available options, not just from those companies that pay them. They search among thousands of plans available nationwide to find the best plan for you.

What can you expect during your free consultation?

During your phone call with a Chapter Advisor, they will ask you questions about your providers, prescriptions and priorities. Then, they’ll walk you through the Medicare decisions you need to make.

Speak to an advisor now

Schedule a meeting

How to shop for groceries on a budget

What's the best gas savings program?

How to lower your phone bill

How to save money on your heating bills

Cut Phone & Internet Bills with Lifeline

Save On Heating and Cooling