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Getting Started with Medicare at 65

Did you know that you are first eligible to sign up for Medicare 3 months before your 65th birthday? Did you know there can be a penalty if you don’t sign up? You will likely have tons of information about Medicare sent your way, and much of it can be confusing. It’s important that you understand all of your benefit options so you don’t make any costly mistakes or miss out on important coverage down the road.


Turning 65? Learn how to sign up for Medicare the right way!
Watch this video first!
Jeremy Hamilton, one of our most experienced agents who has signed up thousands of 65+ people on Medicare across the United States for over 15 years, explains what you need to know about turning 65 and the important first steps you should take.

Verify Medicare Eligibility at 65

Find out what you will qualify for at 65 today! Whether you’re already enrolled or not, simply fill out the form below and a licensed agent in your state will verify your eligibility to find all the benefits you are entitled to receive. This verification is at NO COST and there is NO OBLIGATION to enroll. Plus, many of these benefits have a $0 premium so it won’t cost you anything to enroll.

When to Enroll in Medicare

You can enroll in Medicare up to 3 months before your 65th birthday and 3 months after it. This is called your Medicare Initial Enrollment Period or IEP. Just remember, your Part B coverage may be delayed if you sign up on or after your birthday, causing a risky insurance gap, so it’s better to apply in the 3 months BEFORE you turn 65.

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Should I Enroll in Parts A & B?

Most people should enroll in Medicare Part A when they turn 65, even with health insurance from their current employer. If you or your spouse paid Medicare taxes for 10 years, you usually won’t pay a premium for Part A. But, once you’re enrolled in Medicare, you can’t contribute to your HSA. Some people choose to delay enrollment if they must pay a premium for Part A or if they want to keep adding to their HSA.

You can only delay Part B if you or your spouse has health insurance through your employer as part of a group health plan. Everyone pays a premium for Part B. If you’re still unsure which parts to sign up for, simply fill out the form above and a licensed insurance agent can walk you through the process.

Why Supplements or Parts C &D?

Original Medicare A & B covers only 80%, then Medicare Supplement (or called “Medigap”) sold by private insurance helps fill “gaps” with the 20% out-of-pocket costs NOT covered. These plans cannot be combined with Part C.

Medicare Advantage (or Part C) is coverage from private insurance through the government Medicare program. Many of these plans have $0 premiums so the 20% not covered by Parts A & B wouldn’t cost you anything. Medicare Advantage has the only plans that offer extra benefits like dental, vision, and hearing.

Then, Part D is prescription drug coverage from a private insurer that helps you pay for your prescription medications. This coverage is helpful if you make a lot of trips to the pharmacy.

Avoid Costly Mistakes

Delaying enrollment in Medicare can sometimes result in penalties or a gap in healthcare coverage. You may have to pay a lifetime late enrollment penalty on your Medicare Part B and Part D premiums. And there is a chance that you will only be able to enroll during the Medicare General Enrollment Period (January 1 to March 31). This means your coverage would not start until July, and this can leave a risky gap in your insurance.

It is important to act right away and speak with a licensed insurance agent who can explain your exposure to penalties and help prevent you from making costly mistakes. Fill out the Eligibility Verification form above to get this process started.

Working Past the Age of 65

If you or your spouse have job-based health insurance and your employer is part of a group health plan, you don’t need to sign up for Medicare coverage while you’re still working. Just remember, if you do delay Medicare for this reason, you only have 8 months to enroll in Medicare once you or your spouse stop working OR your employer ends coverage (whichever happens first).

It’s always a good idea to confirm your Medicare options with your employer or union benefits administrator before delaying Part A and Part B. You can also fill out the Eligibility Verification form above to get a licensed insurance agent to help you understand your options.

Consider Planning 6-Months Before Turning 65

You are first eligible for Medicare 3 months before the month you turn 65, but it’s a good idea to start the planning process 6 months prior to your 65th birthday and follow the steps below so you understand all your options. Remember, if you do NOT enroll in Medicare on time, you could face penalty fees for the rest of your life.

  1. Step 1

    Get Familiar with Medicare and All Its Parts

    Learning about the different parts of Medicare (Supplements and Parts A, B, C & D) is vital to helping you decide which coverage you need.

  2. Step 2

    Determine Your Initial Enrollment Period

    You can enroll in Medicare up to 3 months before your 65th birthday month and 3 months after. This 7-month period is called your Initial Enrollment Period or IEP.

  3. Step 3

    Decide whether to enroll in parts A & B

    Employment status, contributions to a Health Savings Account (HSA), and paying a premium for Part A can all be factors in this decision.

  4. Step 4

    Decide If You Want Additional Coverage

    Some people want to add dental, vision, and prescription drug coverage. Medicare Advantage Plans, Part C & D, and Supplement Insurance can be great options in this case.

  5. Step 5

    Verify Your Eligibility

    Understand what is covered when you enroll in Medicare, and what you still might need. Our licensed insurance agents are happy to help, just fill out the form above.

Verify Your Eligibility at 65