Submitted by SHIBA Program, Inter Island Healthcare Foundation.

Is this the year you join Medicare? Depending on your circumstances you may be enrolled automatically or you may have to submit an application. To make an informed decision about your coverage choices, you will need to understand a lot of new information. Medicare has its own vocabulary and rules. There are deadlines you need to meet and penalties (some lasting a lifetime) for not doing things at the right time.

You will have to choose among several ways to receive your coverage. Medicare coves most health issues, but not everything is covered. There are also federal and state programs available to help people with very low incomes and limited assets pay their Medicare premiums, copays and deductibles.

SHIBA volunteers are here to make the transition easier for you. Join us for an online presentation on Monday, March 21 at 1 p.m. Come learn how Medicare works, what your coverage options are and when you must act to avoid penalties. To register for the presentation email shibasjco@yahoo.com or call 360-376-5892.