Turning 65 opens the door to new health insurance options, but everyone’s situation is different.


Select the circumstance that best applies to your current situation:

  • If you're going to keep your (or your spouse's) current employer coverage:
    • Find out if you need to enroll in Part B—it may be necessary if your employer has fewer than 20 employees, to avoid penalties.

    • Ask your employer if your plan’s prescription drug coverage is as good as Medicare’s coverage (it’s called “creditable coverage”). If not, enroll in Part D to avoid penalties.
  • If you're NOT keeping your current employer coverage:
    • Talk to the employer to see if there are other options or plans available to people 65 and older.

    • Enroll in Parts A and B once you’re eligible.

    • Consider Part C (Medicare Advantage) or supplemental plans for additional coverage. Medicare Advantage plans often feature no deductibles on medical services, and offer benefits that go above and beyond Part A and Part B coverage.

    • Sign up for Part D prescription drug coverage. Many Medicare Advantage plans are offered with Part D drug coverage included.
  • What if your current coverage wasn't purchased through an employer?
    • For all other qualified health plans, you will need to enroll in Medicare Part A and Part B, and have a prescription drug coverage that’s as good as Medicare’s standard plan (or enroll in Part D) to avoid penalties. A Medicare Advantage plan is a great way to get all of these parts of Medicare in one plan. If you choose to keep your current coverage once you turn 65, you will lose any premium tax credits or other savings you are currently receiving. Since you will still need to enroll in Medicare Part A and B, a Medicare Advantage plan may be a better alternative.

    • If you have an Essential Plan, your plan will end at age 65 and you will need to enroll in Medicare for health coverage.
Did you know?
If you don’t sign up for Part B when first eligible, or maintain creditable prescription drug coverage, you may find yourself paying multiple penalties. Let our Medicare Plan Guides help you avoid potential problems.

Learn more about UVM Health Advantage medicare plans:

Request a UVM Health Advantage Plan
Benefit Kit!

Get benefit details and more when you request your FREE Plan Benefit kit now.

Meet with Us!

Get expert guidance to help you understand your options, find the right plan and make sure your transition to your new plan goes smoothly with no disruption to your care.

Call 1-833-368-4592 (TTY 711)

October 1-March 31, seven days a week, 8 am-8 pm
April 1-September 30, Monday-Friday, 8 am-8 pm

UVM Health Advantage Plan Guides are here to help.

Get expert guidance to help you understand your options, find the right plan and make sure your transition to your new plan goes smoothly with no disruption to your care.


1-833-368-4592 (TTY 711)


October 1-March 31, seven days a week, 8 a.m.-8 p.m. Eastern Time.
April 1-September 30, Monday-Friday, 8 a.m.-8 p.m.

Questions? 
Get Answers Fast! 

Where is it available?  What benefits are included?  What doctors can I see?  How do I learn more?

Dive into the details.

Access helpful, easy-to-understand videos.

MVP Health Care offers Medicare Advantage plans in the following counties: New York - Clinton, Essex, Franklin, Hamilton, and St. Lawrence counties.

MVP Health Plan, Inc. is an HMO-POS/PPO organization with a Medicare contract. Enrollment in MVP Health Plan depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat MVP Health Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. For accommodations of persons with special needs at meetings, call 1-800-324-3899 (TTY 711). Every year, Medicare evaluates plans based on a 5-star rating system. Other physicians/providers are available in the MVP Health Care network.

MVP virtual care services through Gia are available at no cost-share for most members. In-person visits and referrals are subject to cost-share per plan.

SilverSneakers is a registered trademark of Tivity Health, Inc. SilverSneakers On-Demand is a trademark of Tivity Health, Inc. ©2024 Tivity Health, Inc. All rights reserved. GetSetUp is a third-party provider and is not owned or operated by Tivity Health, Inc. ("Tivity") or its affiliates. Users must have internet service to access online services. Internet service charges are responsibility of user.

All content ©2024 TruHearing, Inc. All Rights Reserved. TruHearing® and (RE)TM are trademarks of TruHearing, Inc. All other trademarks, product names, and company names are the property of their respective owners. Retail pricing based on prices for comparable aids. Follow-up provider visits incuded for one year following hearing aid purchase. Free battery offer is not applicable to the purchase of rechargable hearing aid models. Three-year warranty includes repairs and one-time loss and damage replacement. Hearing aid repairs and replacements are subject to provider and manufacturer fees. For questions regarding fees, contact a TruHearing hearing consultant.

MVP Health Care complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex (including sexual orientation and gender identity).

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1 844 946 8010 (TTY 711). 注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-844-946-8010 (TTY 711).

©2024 MVP Health Care

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Last updated: 10/1/2024

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