Call 619-395-4899 to speak with a licensed insurance agent.

Call 619-395-4899 to speak with a licensed insurance agent.

What You Need to Know Before You Turn 65

Posted by Dhina Valencia, February 21, 2023

Those of you who are set to turn 65 this year are likely aware that you are reaching the age of Medicare eligibility. But enrolling in Medicare will involve a series of decisions which require careful contemplation. Here’s what you need to know before your initial Medicare enrollment window opens.

You might not be required to enroll. Most people will enroll in Medicare when they turn 65. But those who are still employed by a company employing more than 20 people, and participating in a group healthcare plan, can delay their enrollment until that coverage ends someday. The same rule applies to spouses who are enrolled in the plan.

But you might choose to anyway. Even if you’re not required to enroll in Medicare due to your current healthcare coverage, you can choose to do so anyway. Medicare will serve as supplemental coverage, possibly helping to reduce your out-of-pocket expenses.

If you are required to enroll, make sure to do it on time. Those who fail to enroll in Medicare when they’re required to do so will face higher premiums when they enroll later. Your enrollment window begins three months before the month of your 65th birthday, lasts for that entire month, and then extends for three months afterward.

You will face a number of decisions. You can enroll in Original Medicare, comprised of Medicare Parts A and B, and you will pay a premium for Part B coverage (most people with enough work credits will receive Part A coverage for free). If you go this route, you might also wish to add a Part D (prescription) plan or a Supplemental (Medigap) plan.

Alternatively, you can enroll in a Medicare Advantage plan, which is run by a private health insurance company according to standards set forth by Medicare. This plan is organized around a network of providers, and often includes other benefits such as prescription drug coverage.

You can access help for free. Brokers who specialize in Medicare plans can help you sort through your options, and there is never a fee for receiving this help. Just give us a call to speak with a licensed agent as your Medicare enrollment window approaches.  We’ll help you understand the ins and outs of the Medicare system and guide you toward the plan or plans that suit your needs.

Need more information on your insurance options?

Contact us online to learn more

Contact Us

Close Accessibility Tools
Accessibility Controls Reset
Content Adjustments
Font Size

Default

Line Height

Default

Content Scaling

Default

Highlight Titles
Highlight Links
Highlight Forms
Align Left
Align Center
Align Right
Focus Mode
Color Adjustments
Desaturate
Monochrome
Contrast

Default

Saturation

Default

Accessibility Statement

Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

If you wish to contact this website's owner, please use the contact form on the website.

Our User Interface Adjustment Options

Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

Content highlighting - Users can prioritize key elements such as links, forms, and titles.

Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

Close