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Do You Need Medicare?

Many people choose to work beyond age 65 for full retirement benefits, but Medicare enrollment is based on the size of your company.

Situation 1:

If you are currently working at a company with 20 or more employees, then you can wait to sign up for Medicare Part B because your employer insurance will still be the primary payer. To avoid potential penalties later on, be sure to ask your employer if the prescription drug coverage provided with your plan is creditable, meaning it covers at least as much as Medicare Part D. If you retire or lose your employer sponsored coverage, see the Special Election Period information below.

Situation 2:

If you are currently working at a company with fewer than 20 employees and become eligible for Medicare, you should enroll in Medicare because Medicare will be your primary insurance once you become eligible. If you do not enroll in Medicare, it will be as if you do not have any coverage.

Signing Up for Medicare

You can sign up for Medicare online

Some people may be automatically enrolled in Medicare when they turn 65 — if they meet certain conditions.
Some people may be automatically enrolled in Medicare when they turn 65 — if they meet certain conditions.
Simply fill out a Medicare application through the Social Security website.

When to Sign Up for Medicare

Most people can sign up for Medicare three months before their 65th birthday. Once you become eligible to sign up for Medicare, you have 7 months (known as your Initial Enrollment Period) to enroll.
If you fail to enroll in Medicare during your Initial Enrollment Period, you could end up paying more for your healthcare, unless you qualify for special enrollment.

Medicare Advantage Could Save You Money

Medicare Advantage plans provide at least the same benefits as Medicare Part A and Part B, but may oer additional benefits that they do not, such as:
Prescription Drugs
Prescription drug coverage
Prescription drug coverage
Prescription drug coverage
Dental Care
Dental coverage
Fitness and Wellness
Wellness programs
You must enroll in Medicare Part A and Part B before you can enroll in Medicare Advantage. You must live in the plan’s service area, and you generally may not have End-Stage Renal Disease (ESRD) before December 31, 2020.

Enrolling in Medicare Advantage When You're New to Medicare

If you’re new to Medicare and would like to enroll in a Medicare Advantage plan, you can do so anytime during your Medicare Initial Enrollment Period. Your Initial Enrollment Period begins 3 months before your 65th birthday, includes your birthday month and ends 3 months aer your 65th birthday.
If you do not enroll in a Medicare Advantage plan during your initial enrollment period, you will have another chance to enroll during the Medicare Fall Open Enrollment Period, which runs from October 15 to December 7 each year.

Medicare Advantage Costs

Unlike Original Medicare, which is managed by the federal government, Medicare Advantage is managed by private insurers who have control over the plans they oer and how much they charge for them.

Even if you enroll in Medicare Advantage, you will still have to pay a monthly Part B premium, which is around
$134 in 2018.

If your Medicare Advantage plan has a premium, you are responsible for paying it on top of your Medicare Part B
premium. Some Medicare Advantage plans have premiums as low as $0,*
so we recommend shopping around
to find the best deal.

Note: the insurance company determines your out-of-pocket costs, including deductibles, copayment and coinsurance, so specific out-of-pocket amounts will vary from plan to plan.
*You must continue to pay your Medicare Part B premium. $0 premium plans may not be available in all areas.

Interested In Medicare Advantage?

Once you’re enrolled in Original Medicare, a licensed insurance agent can help you compare Medicare Advantage plans and get you enrolled in one that works for you.

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Everything You Wanted to Know About Medicare

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