APPLYING FOR MEDICARE MADE EASY

Navigating Medicare Enrollment

Our caring team is here to provide step-by-step guidance, expert tips, and personalized support, ensuring a smooth application process and empowering you to access the healthcare coverage you need with confidence and peace of mind.

When Should You Apply for Medicare?

The answer to this question can depend on whether you still have employer coverage (or other insurance), or if you are planning to have Medicare as your primary coverage.

For people who are retired, have left their employer coverage, and are planning to use Medicare as their primary coverage, you will want to enroll during your Initial Enrollment Period (IEP.)

What is the Initial Enrollment Period? The IEP is a 7 month interval. It starts 3 months before your 65th birthday month, includes your birthday month, and then continues 3 months after your 65th birthday month.

If you’re not 100% sure when you IEP is or when you should enroll, we are happy to figure it out with you.

It is important to know when your Initial Enrollment Period will be. If you miss enrolling during this period, you will be subject to late enrollment penalties.

You can avoid these by enrolling in Part A or Part B (Original Medicare), or Part C (Medicare Advantage). In addition, if you need Part D drug coverage, you can enroll in Part D during your Initial Enrollment Period.

The best way to avoid any penalties is to simply reach out to us and have a short conversation. We can tell you when exactly you should enroll by, and how to do it. And if you need help, we are happy to guide you through the process!

The answer to this question can depend on whether you still have employer coverage (or other insurance), or if you are planning to have Medicare as your primary coverage.

For people who are retired, have left their employer coverage, and are planning to use Medicare as their primary coverage, you will want to enroll during your Initial Enrollment Period (IEP.)

What is the Initial Enrollment Period? The IEP is a 7 month interval. It starts 3 months before your 65th birthday month, includes your birthday month, and then continues 3 months after your 65th birthday month.

If you’re not 100% sure when you IEP is or when you should enroll, we are happy to figure it out with you.

It is important to know when your Initial Enrollment Period will be. If you miss enrolling during this period, you will be subject to late enrollment penalties.

You can avoid these by enrolling in Part A or Part B (Original Medicare), or Part C (Medicare Advantage). In addition, if you need Part D drug coverage, you can enroll in Part D during your Initial Enrollment Period.

The best way to avoid any penalties is to simply reach out to us and have a short conversation. We can tell you when exactly you should enroll by, and how to do it. And if you need help, we are happy to guide you through the process!

When Should You Apply for Medicare?

Online

If you choose to apply online, you will use the Social Security office website to apply for Part A and Part B. We recommend doing this 3 months before your 65th birthday so you can avoid any gaps in coverage. That way, when you need Medicare as your primary coverage, you will have it.

On The Phone

To enroll in Medicare by phone, simple contact your local Social Security office and tell them that you would like to apply for Medicare. You will likely be mailed some forms to complete and send back, so getting your coverage can take slightly longer than the online option.

In Person

This is the best option for folks who want to take care of their Medicare quickly. Simply look up your local Social Security Office, make an appointment to enroll, and show up at the allotted appointment time at the Social Security Office.

Common Questions When

Applying for Medicare

When is my initial enrollment?

The Open Enrollment Period depends on your birthday month. It begins 3 months before you turn 65, includes your birthday month, and then continues 3 months after you turn 65.

When do I get my Medicare card?

After applying for Medicare, it will usually take 3 weeks or so to receive your card. For those folks already on Social Security, you will be automatically enrolled and you will get your card via mail 2 months before turning 65.

Do I have to Apply Every Year?

No, you do not. As long as you pay your premiums on time, your coverage automatically will renew. It is important to sit down and review your coverage at least once a year, as needs change. Even if your needs don't change, there can be changes to plans and coverage that will affect you. When you enroll with our help, we make sure to review your coverage every year so you always get what you are expecting to get.

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Not connected with or endorsed by the United States government or the federal Medicare program.

Plan availability varies by region and state. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 104 products in your area. For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call1- 877-486-2048), 24 hours a day/7 days a week or consult
www.medicare.gov, or your local State Health insurance Program (SHIP) to get information on all of your options. This is a solicitation to sell insurance and is coming from a licensed health insurance agency, and is not affiliated with or endorsed by the government or federal Medicare program. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. [Partner/Agency] represents Medicare Advantage [HMO, PPO, and PFFS] organizations that have a Medicare contract. Enrollment depends on the plan’s contract renewal.

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