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51. Why Do I Need Insurance?

    Last Updated: 01/15/2021 in Individual and Employee Understand Insurance
    Unfortunately health issues and accidents happen, and getting sick or hurt without coverage is more expensive. For example, the cost of a broken arm is more than $2,500, and if requiring surgery, can be several times that. If a hosptial stay is req...

52. What do I pay for Medicare Part A?

    Last Updated: 03/02/2021 in Medicare Understand Medicare What do I pay for Medicare?
    You usually don't pay a monthly premium for Part A if you or your spouse paid Medicare taxes for at least 40 quarters while you were working. You can get Part A without a premium if: You already get a Social Security or Railroad check for retirem...

53. How do I get a new activation code for MyChart?

    Last Updated: 04/05/2024 in Individual and Employee Your Account
    To register for your Hally account without an activation code or if your code has expired, visit Hally.com and select "LOGIN" Then choose "Sign Up Now" and follow the prompts to sign up online. If you need  further  assistance  visit  ...

54. General Enrollment Period

    Last Updated: 01/30/2020 in Medicare Understand Medicare When can I sign up for Medicare?
    If you didn't sign up for Original Medicare or Medicare Supplement when you're first eligible, you can sign up during the General Enrollment Period, between January 1 and March 31 each year. If you enroll during this time, your coverage will start ...

55. Do I need to sign up for Medicare Part A and Part B?

    Last Updated: 09/19/2022 in Medicare Understand Medicare When can I sign up for Medicare?
    If you're already receiving benefits from Social Security or the Railroad Retirement Board (RRD), you're under age 65 and disabled, or you've been diagnosed with ALS (also known as Lou Gehrig's disease), you'll automatically receive your Medicare ID...

56. Am I eligible for a Special Enrollment Period?

    Last Updated: 07/11/2023 in Medicare Understand Medicare When can I sign up for Medicare?
    Outside the Annual Enrollment Period , you can only enroll in a plan after a special event with a Special Enrollment Period (SEP). These are the different kinds of SEPs: Moved to a new service area or to an area with new plan options: You can s...

57. What do I pay for Medicare Advantage (Part C)?

    Last Updated: 07/27/2023 in Medicare Understand Medicare What do I pay for Medicare?
    For Medicare Advantage plans, you pay: A set monthly premium. Your monthly Part B premium. Copayments, coinsurance or deductible (if applicable) each time you use medical services. Once you hit your yearly spending limit, or out-of-pocket maxim...

58. Medicare Advantage Open Enrollment Period

    Last Updated: 01/15/2021 in Medicare Understand Medicare When can I sign up for Medicare?
    On January 1–March 31 each year, you can make the following changes during the Medicare Advantage Open Enrollment Period. If you're on a Medicare Advantage plan (with or without drug coverage) you can switch to another Medicare Advantage plan (wit...

59. Am I eligible for Part C (Medicare Advantage)?

    Last Updated: 09/29/2021 in Medicare Understand Medicare Am I eligible for Medicare?
    To be eligible for a Medicare Advantage plan, you: Must have Medicare Parts A and B. Must continue to pay your Medicare Part B premium, if not otherwise paid for under Medicare or by another third party. Must live in the plan's service area. ...

60. What is an HMO?

    Last Updated: 10/31/2023 in Medicare Understand Medicare How do I choose a plan type?
    A HMO (Health Maintenance Organization) plan gives you personal care from a set network of doctors and hospitals. You'll get peace of mind with: The comfort of having an in-network primary care provider (PCP) to oversee all your care and refer you...

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