enrolling in medicare
Enrolling In Medicare

Enrolling in Medicare is a big step and will want to be sure to ready when the time comes.  There are specific rules mandated by Social Security for enrolling in Medicare and you will want to be prepared.

  • You must be 65 to enroll in Medicare—your spouse’s age doesn’t count.
  • You may enroll in Medicare even if you’re not collecting Social Security yet.
  • You are allowed to enroll in Medicare even if you work past age 65 and have employer coverage, or you are 65 and have coverage through your spouse’s employer.

When to Enroll in Medicare

Your first chance to sign up for Medicare is called your Initial Enrollment Period (IEP). It happens around your 65th birthday and lasts a total of 7 months. It includes your birthday month plus the 3 months before and the 3 months after. It’s best to sign up early to avoid gaps in coverage and late enrollment penalties.

Once you have enrolled in Medicare you may want to add protection for things that Original Medicare does not cover.  Take a look at Medicare Basics for more information.

You might be enrolled in Medicare automatically if you currently receive Social Security or Railroad Retirement Board benefits. You’ll receive your Medicare card in the mail a few months before your 65th birthday. You still have an IEP during which you may make Medicare coverage decisions.  Once your Initial Enrollment Period has arrived you will need to be sure to understand the Basics of Medicare.  Enrolling in Medicare can seem like a real challenge.  We would be glad to help you meet the challenge of enrolling in Medicare.

If you have already enrolled in Medicare and need help choosing what plan will meet your needs read more here.  Feel free to contact us today for assistance.

Contact us for assistance today

By submitting this form and providing this information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans.