No need to enroll in Part A, Part B, or do anything related to Medicare. If you're happy with your employer's coverage, you can stay on it until you retire. Give us a call then, and we'll guide you through the process of enrolling in Medicare.

Medicare A & B is basic medical coverage provided by the government. Almost every senior not on their employer's insurance enrolls in Medicare Parts A & B.

Yes. Unless you have coverage from your employer, you'll face financial penalties for not enrolling in Parts A and B.

$0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won't pay Part A premium. This is sometimes called "premium-free Part A."

If you don't qualify for premium-free Part A: You might be able to buy it. You'll pay either $278 or $505 each month for Part A, depending on how long you and your spouse worked and paid Medicare taxes.

You are eligible to enroll up to 3 months before and after your 65th birthday month. Open enrollment is between 10/15/2024 and 12/07/2024 for coverage to start 01/01/2025.

Most people sign up for both

Part A (Hospital Insurance)
covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

and Part B (Medical Insurance) when they’re first eligible (usually when they turn 65). Generally, there are risks to signing up later, like a gap in your coverage or having to pay a penalty. However, in some cases, it might make sense to sign up later.

If you miss an enrollment period, you might qualify for a Special Enrollment Period.

Online at the Social Security website unless you're collecting Social Security benefits.

Medicare A & B is basic medical coverage provided by the government. Almost every senior not on their employer's insurance enrolls in Medicare Parts A & B.

$0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won't pay Part A premium. This is sometimes called "premium-free Part A."

If you don't qualify for premium-free Part A: You might be able to buy it. You'll pay either $278 or $505 each month for Part A, depending on how long you and your spouse worked and paid Medicare taxes.

For most folks, Parts A & B aren’t enough. Here’s why:

➡️ Part B Coinsurance - After a $240 annual deductible, Part B has you on the hook for 20% of medical bills. 20% of a big number is a big number.

The average person has 50 options for coverage beyond Parts A & B. We can help find the one that fits your budget and needs.

Every zip code has different plans.

Additional supplement plans are available to help cover expensive out-of pocket costs.Would you be willing to pay $190 per month in addition to your Part B premium for Plans G or N, which are Medicare Supplements and offer the widest choice of doctors and lowest out-of-pockets costs available?

Based on your answers, we recommend a Medicare Supplement plan which will cover doctor and hospital expenses.

Your prescriptions cost different amounts on different plans.

We just need this to enroll you online.

Your premium depends on your gender.

➡️ Plan G

⭕ Plan G fully covers the main “gaps” in Medicare - the Part A deductible and Part B coinsurance - and also covers “excess charges”, a 15% surcharge that some providers pass on to you.

⭕ Plan N has the same coverage as Plan G with two exceptions: you pay a $20 co-pay for primary care visits and pay for "excess charges", which are surcharges of up to 15% of your medical bill that some providers pass on to you.