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Medicare First steps
Social Security Profile Set Up
Social Security Profile Set Up
Social Security Profile Set Up
Be sure to set up a Social Security profile!
Even if you’re not ready to start Social Security benefits, you’ll still need a Social Security account to enroll in Medicare. It’s a good idea to create your profile at least 3 months before turning 65. Then you can:
- Enroll in Medicare Parts A and B
- Track your earnings & benefits
- Access Medicare documents
Creating your Social Security profile is free and only takes a few minutes. If you’re already receiving Social Security, you’ll be automatically enrolled in Medicare. Otherwise, you can sign up separately.
Are You Turning 65 Soon?
Social Security Profile Set Up
Social Security Profile Set Up
It’s Time to Start Medicare
(Unless You’re Getting Employer Coverage)
If you’re turning 65, it’s time to enroll in Medicare—unless you’re planning to keep working and have coverage through your employer. Here’s your 7-month window for Medicare Part A and Part B:
- 3 months before your 65th birthday
- Your birthday month
- 3 months after your birthday month
Enrolling early (in the 3 months before) helps ensure your coverage starts as soon as you turn 65. If you miss this Enrollment Period, you may face delays or late penalties.
Employer Coverage Past 65?
Social Security Profile Set Up
Employer Coverage Past 65?
If you’re turning 65 but still working:
- You are automatically enrolled in Medicare Part A at age 65, even if you are still working and have employer coverage. This is true whether you continue working or not.
- Delay Part B if you have credible employer coverage to avoid paying the premium. Double-check that your plan qualifies.
- Leaving your job? You have an 8-month window to enroll in Part B after your coverage ends to avoid penalties.
Good To Know Info
Enrollment Periods
Prescription Drug Coverage
Prescription Drug Coverage
1. Annual Enrollment Period (AEP)
Fall (October 15 – December 7)
- Who it’s for: All Medicare beneficiaries.
- What you can do:
- Switch between Medicare Advantage plans or between Original Medicare and Medicare Advantage.
- Change or enroll in a Part D prescription drug plan.
- When: Changes take effect January 1 of the following year.
2. Medicare Advantage Open Enrollment
Spring- (April 1 - June 30)
- Who it’s for: Those already in a Medicare Advantage plan.
- What you can do:
- Switch between Medicare Advantage plans or return to Original Medicare.
- When: Changes take effect the first of the month after you make the change.
Prescription Drug Coverage
Prescription Drug Coverage
Prescription Drug Coverage
1. Medicare Advantage (Part C)
- Who it’s for: Those enrolled in a Medicare Advantage plan.
- What you can do: Most plans include prescription drug coverage (Part D), so no need for a separate Part D plan. Some offer extra benefits like mail-order services.
- When: Coverage begins as soon as you enroll in your Medicare Advantage plan.
2. Medicare Supplement (Medigap)
- Who it’s for: Those with Original Medicare and a Medigap plan.
- What you can do: Medigap does not include prescription coverage. You’ll need to enroll in a separate Part D plan for drugs.
- When: Sign up for Part D when you first enroll in Medicare or during the Annual Enrollment Period (AEP).
Set Private Appointment
Prescription Drug Coverage
Set Private Appointment
Confused by Medicare? Let’s Make It Easy!
Medicare doesn’t have to be a headache! Get personalized guidance and clear answers to all your Medicare questions. Whether you’re new to Medicare or already enrolled, we’re here to help!
Here’s why you might want to schedule an appointment:
- Turning 65 soon: We’ll guide you through when and how to sign up.
- Confused by the options: Medicare Advantage, Medigap, Part D? We’ll help you choose the best plan.
- Already enrolled but unsure about your plan: We can review your current coverage and suggest changes if needed.
- Prescription drug coverage: We’ll help you figure out if you need a Part D plan.
Click below to set up your appointment and take the first step toward a plan that works for you. 👇