MEDICARE
If you are approaching age 65 or new to Medicare Disability, it can be an overwhelming and confusing time. You are bombarded by information from many different angles, and sometimes it’s tough to make sense of any of it. Well-meaning friends and coworkers may offer their best advice. However, Medicare is a complex series of
moving parts and letters and specific timelines to abide by in order to not pick up a lifelong penalty, and can look different for each person based on your specifics.
Don’t trust the 1-800 number you see on the TV for these important decisions. We are a local and trusted source here for you. We often talk to people approaching age 65 that are still working and may not need us for years but just have some preliminary questions. We would much sooner have you call us and ask ahead than to do the wrong things at the wrong time and risk a lifelong consequence.
We work as Licensed Medicare Advisors, making sure you know what to do when and present a complete picture of what your insurance options look like. Most people don’t want to “speak” Medicare, but they do want to be informed enough to make a wise decision. We have years of expertise and experience to draw from.
We will talk to you in a clear and precise manner, personalized for your situation. We are licensed with many major companies, and because we are independent – we have the freedom to match you with the plans that fit you best.
Medicare Enrollment Periods
Annual Election Period
Oct 15 - Dec 7
You can add or change a Medicare Advantage Plan, Part D Prescription Drug Plan or switch to Original Medicare. Your last change before Dec 7 will be effective Jan 1.
Open Enrollment Period
Jan 1 - Mar 31
If you are on a Medicare Advantage Plan, you can make one change to your Medicare Advantage Plan or return to Original Medicare and the change will be effective the first of the next month.
Initial Coverage Election Period
A 7-month window starting 3 months before you turn 65 and extending 3 months after you turn 65 to first enroll into Medicare. You may be able to delay Medicare enrollment with active employer coverage.
Special Election Period
You may have special enrollment periods available throughout the year to enroll in Medicare or change your Medicare Advantage Plan, based on certain events. Specific rules apply to these additional life situations.
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