It is recommended you review your medicare choices as early as possible...


Medicare enrollment begins three months before your 65th birthday and continues for three months.

Your coverage will commence the 1st day of the month of your birthday or based on enrollment date.

If you do not receive Social Security benefits, you STILL NEED to sign up for Medicare.


If you are currently receiving Social Security benefits

You will be automatically notified that it is time to enroll in Medicare Parts A and B effective the month you turn 65.


If you do not sign up for Part B right away, then you will be subject to a penalty.

Your Medicare Part B premium may go up 10 percent for each 12-month period that you could have had Medicare Part B, but did not take it.

In addition, you will have to wait for the general enrollment period to enroll

The general enrollment period usually runs between January 1 and March 31 of each year.


Medicare pays for only about half of your medical costs

With all the deductibles, copayments and coverage exclusions, much of the balance is not covered by Medicare but  can be covered by purchasing a Medicare Supplement insurance policy from a private insurer.


Medicare Supplement Insurance

Most individuals choosing to keep original Medicare will purchase a "Medicare Supplement Insurance policy," commonly referred to as Medigap. Some of these plans will pay the Part A and Part B deductibles, co-pays and excess charges not covered by Medicare. Some include foreign travel coverage.


Medicare Part D

Medicare offers prescription drug coverage. If you are not going to sign up for a Medicare Advantage plan with prescription drug coverage (HMO–PPO), then you will want to enroll in a prescription drug plan at the same time you sign up for Parts A and B.


For every delayed month from enrollment past the initial period, your Medicare Part D premium will increase at least 1%

You are exempt from these penalties if you did not enroll because you had drug coverage from a private insurer, such as through a retirement plan, at least as good as Medicare's. This is called "creditable coverage." Your insurer should let you know if their coverage will be considered creditable.

After you've signed up for Medicare Part B, you can schedule a free "Welcome to Medicare" exam with your doctor.



What happens if my Doctor leaves my Medicare Advantage Plan Network?

Do I need Medicare part A and Part B if I am still working?

What is the “Welcome to Medicare” Physical Exam?

Do all Doctors accept Medicare Assignment?

Do I need to renew my Medicare Coverage?

What is the "excess charge"?


Let us know if you have additional questions or need our help