Why is Attain Health right for you?
Medicare can be confusing. Attain Health is here to make things simpler and help you find the right coverage for your needs. Because we believe Medicare should be as easy as possible.
Make sure you have the right Medicare coverage that meets your needs as your health changes year over year.
Attain Health™* is happy to get to know you and your Medicare preferences. Get started with a quick quiz and then pick the option that makes the most sense for your health and budget needs.
Medicare can be confusing. Attain Health is here to make things simpler and help you find the right coverage for your needs. Because we believe Medicare should be as easy as possible.
Will Medicare cover eye exams and eyeglasses?
What is a Medicare Flex Card?
How does the Medicare premium payment process work?
Flu, COVID-19*, Respiratory Syncytial Virus (RSV), shingles, pneumonia and Tdap vaccines* may be eligible for no cost with Medicare. You can even schedule multiple vaccines in one trip.
With a CVS account, you can choose same-day or one- to two-day delivery once your prescriptions are ready.
Here, seniors come first. We can help you find special savings and resources, as well as support you on your unique health journey.
You can pay nothing out of pocket* for select over-the-counter (OTC) eligible products if your coverage includes an OTC benefit.
Oak Street Health, part of CVS Healthspire™, offers a new approach to health care for older adults — primary care that’s designed to help you stay healthy, not just treat you when you’re sick.
Medicare is the federal health insurance program for people who are 65 and over. If you are under 65, you may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s Disease).
There are four parts of Medicare: Part A, Part B, Part C and Part D.
Part A (hospital insurance) helps cover inpatient care in hospitals, skilled nursing facility care, hospice care and home health care.
Part B (medical insurance) helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment (like wheelchairs, walkers, hospital beds and other equipment).
Part C (Medicare Advantage) offers an alternate way to receive your Medicare benefits. Medicare Advantage plans are Medicare-approved plans from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B and usually Part D. Many plans also include added benefits that Original Medicare doesn’t include like some dental, vision, hearing, fitness and over-to-counter items.
Part D (prescription drug coverage) helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Part D plans are Medicare-approved plans from a private company.
Medicare is the federal health insurance program for specific groups of people in the U.S. The original Medicare program included Part A (hospital insurance) and Part B (medical insurance). Today these two parts are called “Original Medicare.”
As an alternative for those on Medicare to get their health coverage, they can join a Medicare Advantage (MA) plan. An MA plan must include Part A and Part B coverage just like Original Medicare. Most MA plans also include prescription drug coverage (Part D) and added benefits that Original Medicare doesn’t include.
To be eligible for Medicare a person must:
Part A premium
Most people don’t pay a premium for Part A coverage. This is sometimes called “premium-free Part A.” You won’t pay a Part A premium if you:
Part B premium
You’ll pay a premium for Part B coverage every month, even if you don’t get any Part B-covered services. The monthly premium can change each year and may be higher depending on your income. Most people don’t get a bill from Medicare because they get the premium deducted automatically from their Social Security, Railroad Retirement Board or Civil Service Retirement check. If you don’t get any of these payments, you’ll get a bill for your Part B premium so you can pay Medicare directly.
Part C premium
Monthly premiums for Part C coverage vary based on which plan you join. The premium amount can change each year.
Part D premium
Monthly premiums for Part D coverage vary based on which plan you join. The premium amount can change each year. You may also have to pay an extra amount each month based on your income.
Attain Health provides simple tools, useful guidance and personalized Medicare recommendations backed by CVS® to help you choose a health plan from leading insurers that meets your needs.
Here are some ways you can enroll with help from Attain Health™.
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they are first eligible, typically at age 65.
It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B.
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A.
The 3 enrollment periods:
When you're turning 65
This is the “Initial Enrollment Period (IEP).”
There are no penalties if you sign up during this time. It’s a seven-month window that begins three months before your 65th birthday, includes the birthday month and begins three months after it. Coverage beings the month after you sign up.
After 65 and you've been covered by an employer group health plan
This is a “Special Enrollment Period (SEP).”
There are no penalties if you sign up or add Part B during this time.
If you or your spouse have health insurance through your job, you can sign up:
When you miss the other periods (likely penalties involved)
This is the “General Enrollment Period (GEP).”
There is typically a life-long penalty if you sign up during this time.
If you have not filed during the other periods, you can still sign up between January 1 and March 31 each year.
Your coverage begins the month after you sign up.
Special situations
Medicare offers “Special Enrollment Period” for some unique situations.
The Annual Open Enrollment Period (AEP) occurs each year. It runs October 15 to December 7. New coverage starts January 1. During this period, you can change your choice of Medicare coverage. Individuals can enroll, drop or change their Medicare health and drug coverage if they choose to do so. This includes Original Medicare, Medicare Advantage plans and Part D prescription drug plans.
If a Medicare-eligible individual misses their Initial Enrollment Period for enrolling in Medicare, they can do so now. Depending on the timing, they may have to pay a late enrollment penalty.
The Medicare Advantage Open Enrollment Period (MA OEP) occurs each year. It runs January 1 to March 31. New coverage starts the first of the month after the plan gets your request. This period is only for those already on a Medicare Advantage Plan (with or without drug coverage). You can only switch plans once. It provides one more chance to change a Medicare Advantage plan. You can:
Special Enrollment Period (SEP)—this is when you can make changes to your Medicare Advantage and Medicare drug coverage when certain events happen in your life. Like if you move out of the plan’s area or lose other health care coverage. The types of changes you can make and the timing depend on the life event.
CVS Pharmacy accepts most Medicare Part D plans and does not endorse any particular plan.
Medicare drug plans have contracts with “network pharmacies.” These pharmacies agree to provide members of certain Medicare plans with services and supplies at a discounted price. In some Medicare plans, your prescriptions are only covered if you get them filled at network pharmacies.
No-cost coverage continues for the flu, pneumococcal and COVID-19 vaccines and hepatitis B for people whose doctors recommend it. In 2023, the Tdap, RSV and shingles vaccines joined the list of no-cost vaccinations.
For adults 50 and older, the influenza, shingles, Tdap and updated COVID-19 vaccine are recommended.
A single-dose RSV vaccine is recommended for adults ages 60 and older. The pneumococcal vaccine is recommended for people 65 and older.
You can get most vaccines at a pharmacy, doctor’s office, clinic or community health center. Talk with your doctor about what vaccines you may need.
*FOR ATTAIN HEALTH BY CVS HEALTH: Attain Health™ by CVS Health® is an educational and enrollment program owned and operated by Attain Insurance Services Inc. (hereinafter “Attain”), a licensed insurance agency and a representative of Medicare Advantage and Prescription Drug Plans that have a Medicare contract. Enrollment in the plan depends on a plan’s contract renewal with Medicare. Attain sells Medicare plans through arrangements with insurance companies, independent licensed agents, agencies, and call centers staffed by agents, independent contractors, and affiliated agencies. Under contractual relationships between Attain and insurance companies, Attain earns a commission paid by the insurance company for each policy we sell. This site is not maintained by or affiliated with the federal government’s Health Insurance Marketplace website or any state government health insurance marketplace. We do not offer every plan available in your area. Currently, we represent 10 organizations which offer 8 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all your options. The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent and/or producer or insurance company. There is no obligation to enroll. Attain Insurance Services Inc. CA License #0J06154. CVS Pharmacy® is preferred with some Medicare Part C and/or D plans, does not endorse any particular Medicare plan, and does not receive compensation of any kind from plan sponsors or other third parties related to enrollment in a Medicare plan. Attain and CVS Pharmacy are part of the CVS Health family of companies.
*FOR PREFERRED IN-NETWORK PHARMACY: CVS Pharmacy® is preferred with some Medicare Part D plans. CVS Pharmacy accepts most Medicare Part D plans and does not endorse any particular plan. Your costs and savings may vary depending on your premium, deductible, a plan’s cost‐sharing obligations for your prescription drugs, any Medicare Part D penalty that may apply and whether you qualify for Extra Help from Medicare with paying your prescription drug costs.
*FOR RESPIRATORY SYNCYTIAL VIRUS (RSV), SHINGLES, PNEUMONIA AND TDAP VACCINES: No cost with most insurance plans. Restrictions apply.
*FOR FLU, COVID-19: Flu vaccine is no cost with most insurance plans. COVID-19 vaccine is no cost with most insurance plans or government assistance programs for eligible patients. Funding is provided by the CDC Bridge Program, which is funded by the Health and Human Services (HHS) and the Centers for Disease Control and Prevention (CDC) for eligible patients. Available at most CVS Pharmacy® and MinuteClinic® locations when a certified immunizer is on duty. Age and other restrictions apply.
*FOR OVER-THE-COUNTER BENEFITS AT NO ADDITIONAL COST: Over-the-counter (OTC) allowance benefits are included in select Medicare Advantage and Medicaid plans. The allowance may only be applied to select OTC products. Allowance amount may vary by plan. Customer may be responsible for the cost of any items not covered by their plan or the cost that exceeds their allowance amount. Check with your health plan provider for more details.