Are you enrolled in Covered California and turning 65 in 2025? Transitioning to Medicare in 2025 might seem overwhelming, but it’s an important step to ensure you have the right health coverage for this next chapter of your life. Missing deadlines or not understanding your options can lead to penalties, coverage gaps, and extra costs.
At Skyline Benefit, our experienced agents are here to help every step of the way, making the shift from Covered California to Medicare in 2025 easy and stress-free. From important dates to premium details, we’ve got everything you need to make an informed and confident transition.
What Is Medicare?
Medicare is a federal health insurance program designed for:
- People aged 65 and older.
- Individuals under 65 with specific disabilities.
- Those with End-Stage Renal Disease (ESRD).
Your Initial Enrollment Period (IEP) begins three months before your 65th birthday and lasts three months after. Missing this period could result in late enrollment penalties or delayed coverage until the next General Enrollment Period (GEP).
Medicare is divided into four key parts:
- Part A: Covers inpatient hospital stays, skilled nursing care, and some home health services.
- Part B: Focuses on outpatient care, including doctor visits, preventive services, and durable medical equipment.
- Part C (Medicare Advantage): Offers an alternative to Original Medicare, bundling Parts A, B, and often D into private plans.
- Part D: Covers prescription drug costs.
What Will Medicare Cost You in 2025?
Medicare Part B covers doctor visits, preventive care, outpatient services, and durable medical equipment. Here’s what you’ll pay in 2025:
- Standard Monthly Premium: The standard premium for Part B is $185 per month, up by $10.30 compared to 2024.
- Annual Deductible: The deductible has increased to $257, a slight rise from $240 in 2024. Once you meet this deductible, Medicare generally covers 80% of approved services, leaving you responsible for the remaining 20%.
- Higher-Income Premium Adjustments (IRMAA): If you earn more than $106,000 as an individual or $212,000 as a couple, you’ll pay extra for Part B due to the Income-Related Monthly Adjustment Amount (IRMAA).
Does Covered California Offer Medicare?
Covered California does not offer Medicare plans. Once you qualify for Medicare, your eligibility for Covered California subsidies ends. Continuing to receive financial assistance after Medicare eligibility could result in repayment to the IRS.
How to Transition from Covered California to Medicare in 2025
1. Notify Covered California About Your Medicare Eligibility
Report your Medicare eligibility to Covered California within 30 days of qualifying. This step helps prevent potential penalties and ensures your records are updated.
2. Cancel Your Covered California Plan
Once Medicare begins, cancel your Covered California plan at least 14 days before the end date. For a smoother process, you can do this directly with Covered California or get assistance from Skyline Benefit.
Can You Keep Covered California While on Medicare?
Choosing to stay on Covered California while eligible for Medicare is risky. Here’s why:
- You’ll face lifetime penalties for delaying Medicare enrollment.
- Any financial assistance you receive through Covered California must be repaid to the IRS.
What About Family Members on Your Plan?
Family members not eligible for Medicare can remain on your Covered California plan. However, their financial assistance will be reassessed, potentially altering subsidy amounts.
Automatic Enrollment in Medicare
If you’re receiving Social Security Disability Insurance (SSDI), you’ll likely be automatically enrolled in Medicare. Otherwise, you must actively enroll. To check your eligibility or find out if you’ll pay a Part A premium, contact the Social Security Administration at (800) 772-1213.
Why Choose Skyline Benefit?
Switching from Covered California to Medicare in 2025 doesn’t have to be complicated. At Skyline Benefit, we simplify the process by:
- Reviewing your needs and budget.
- Customizing Medicare options that fit your lifestyle.
- Helping you avoid penalties or coverage gaps.
Need Help Switching from Covered California to Medicare in 2025?
Skyline Benefit is a certified insurance agency with Covered California and an independent Medicare insurance broker offering affordable and flexible Medicare options.
Our agents specialize in helping you transition seamlessly from Covered California to Medicare, ensuring you avoid penalties, coverage gaps, and unnecessary stress.
Schedule a consultation today. Call us at: (714) 888-5112