There is no penalty for waiting to enroll after age 65 if you are covered by an employer's plan. However, a delay in enrollment for any other reason may subject you to higher premiums or waiting periods. These policies vary widely in benefits and in price and are frequently marketed by fairly aggressive sales tactics. The wise consumer will seek objective advice before signing a contract. Be sure that you understand coverage you already have from previous employers, unions or other private sources.
Counseling is available by appointment.
Claims assistance can also be scheduled. If expenses exceed an established cap for a year, EPIC pays the entire cost. You are not eligible for EPIC if you are covered by Medicaid or an insurance plan which provides equal or better coverage for prescriptions. People over 65 or disabled who have low incomes are subject to different qualifications than other medically needy. Ownership of a home should not be viewed as an obstacle, but other resources must be limited to qualify.