MEDICARE FAQ
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If you meet the eligibility requirements, you can happily start your Medicare enrollment 90 days before your 65th birthday. Exciting times are ahead!
Online at SSA.gov or in person at a local Social Security office.
Part A is generally available and paid up when you turn 65. However, Part B is not available unless you have previously enrolled in Social Security. If you haven't applied, you'll need to proactively enroll in Part B and start making the necessary payments.
Yes. However, you will not have prescription coverage and will face unlimited exposure to those costs due to gaps in Original Medicare.
You may incur penalties from Medicare for coverage gaps. For Part B, the penalty is 10% of your premium for every 12 months without it. For Part D, the penalty can be up to 1% of the national average cost of a plan for each month without coverage.
A retiree plan generally supplements your primary Medicare benefits.
Medicare is designed for individuals and does not cover spouses or dependents. Your spouse can also enroll when they become eligible.
Part “D” is the Prescription Drug plan introduced in 2006.
Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescription plans are included).
If the employer group consists of 20 or more eligible employees and you plan to continue working, then this option may be viable. However, it is important to consider several factors before making a decision.
Insurance agents and brokers earn commissions from the insurance companies they work with when they sell your policy. These commissions are included in your insurance premiums, whether or not you use a broker. The rates we offer are the same as those from the insurance companies.
Navigating Medicare can be tough, but we're here to help! We'll guide you in finding the right plan that fits your needs and budget.
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LICENSED & SERVICING: PA, NJ, NY, OR, CA
This is a solicitation of insurance. Agent is a licensed and certified representative of multiple Medicare Advantage and Prescription Drug plans each with a Medicare contract. Enrollment depends on contract renewal. Contact may be made by an insurance agent or insurance company. Not affiliated with or endorsed by any government entity or agency. "We do not offer every plan available in your area. Currently we represent several organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE 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." This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov