Simple Guide To Knowing Your Options Now That You are 65.
NAVIGATING HEALTHCARE MADE EASY
No Cost Consultation
Understanding all the options for Medicare can be confusing. Sandy will answer your questions and clarify the insurance options you have. Sandy likes to keep it simple and make it easy for you to understand. The consultation is free of charge to you and your loved ones.
Discovery Discussion You Decide
With a few simple questions, Sandy can help compare Medicare plans to determine where you are financially exposed or if the plan you have is the proper fit for your situation.
Partnering with you through the Process
Sandy has a strong commitment to be knowledgeable from start to finish. She helps make the process easy from Medicare enrollment to choosing and signing up for the right plan that works for you and your loved ones.
You Turned 65 Now What?
Activate Parts A & B
Automatic Enrollment – Already getting Social Security Benefits? You will be automatically enrolled if eligible.
Creditable Coverage – Still employed or covered by your spouse’s health insurance? You may not need to enroll.
Need to Enroll – Apply in person, by phone or online.
Work With Us
Choose an Independent Broker (no cost to you) to help you understand:
- Parts of Medicare
- Coverage Options
- Ancillary Products
- Plans Available In Your Area
Choose Coverage
After You activate Medicare Parts A & B, you will need to decide which coverage options is right for you:
- Original Medicare Only
- Original Medicare + Supplement + Prescription Drugs (Part D)
- Medicare Advantage Plan – Part C & includes Parts A, B & D
Enroll In A Plan
Work With Your Independent Broker (no cost to you):
- Confirm your coverage and plan choices
- Complete Application & Enrollment
Celebrate 65
Celebrate!
- You’ve done the hard work
- Your’ve made the decisions
- You’re ready to celebrate your 65th birthday with peace of mind!
- Than you for letting me be a part of your journey
Want to Know More? Book a FREE consultation
FAQs
You may be able to delay Medicare enrollment Part B if you have Creditable Coverage.
It depends on your health needs, travel habits, risk aversion, and monthly income. So many factors come into play which is why we do a needs assessment to make sure you are getting the plan you need.
You may qualify for the Special Enrollment Period (SEP) if you have extenuating circumstances. (loss of employment, divorce or other life circumstance)
If you have Medicare Part A, but you did not enroll in Medicare Part B during your Initial Enrollment Period (IEP), you may sign up during the General Enrollment Period (GEP), or you may qualify for a Special Enrollment Period (SEP).
Some people with higher income may pay a larger percentage of their monthly Medicare Part B and prescription drug costs based on their income. We call the additional amount the income-related monthly adjustment amount.
States must help pay some of the Medicare costs for beneficiaries who have limited income and resources. Under these programs, states help pay for Medicare Part A and Part B premiums, deductibles and copayments. Some of these programs also pay additional Medicare expenses for elderly and disabled people.
To find out if you are eligible for state help, contact your local medical assistance office. A representative can tell you the specific requirements and help you apply.
Signing up for Medicare Part B may provide you with additional service and location options.
If you don’t sign up for Part B when you are first eligible:
- You may have to wait to sign up, which will delay your coverage, and;
- You may also have to pay a late enrollment penalty for as long as you have Medicare Part B.
If your Medicare card was lost, stolen, or destroyed, you can request a replacement online at Medicare.gov.
You can print an official copy of your card from your online Medicare account or call 1-800-MEDICARE (1-800-633-4227 TTY 1-877-486-2048) to order a replacement card to be sent in the mail.
Medicare beneficiaries with limited resources and income may qualify for Extra Help paying for their monthly premiums, annual deductibles, and copayments related to prescription drug coverage.
The easiest way to apply for Extra Help is online. You can also call us at 1-800-772-1213 (TTY 1-800-325-0778) between 8 a.m. and 7 p.m. Monday through Friday to apply over the phone or make an appointment to apply in person at your local Social Security office.
For more information go to our Extra Help with Medicare Prescription Drug Plan Costs page.
