Getting Started with Medicare
Turning 65? Here’s what to do:
✅ 1. Check if You’re Automatically Enrolled
- If you’re already getting Social Security, you’ll be signed up for Medicare Part A and Part B automatically.
- You’ll get your red, white, and blue Medicare card in the mail.
Not getting Social Security yet?
You’ll need to sign up yourself through Social Security:
👉 ssa.gov/medicare
✅ 2. Decide: Original Medicare or Medicare Advantage?
You have two main options:
🔹 Original Medicare (Part A + Part B)
You can add:
- Part D (drug coverage)
- Medigap (to help with out-of-pocket costs)
🔹 Medicare Advantage (Part C)
All-in-one plans from private insurance companies.
They often include:
- Drug coverage
- Extra benefits (like dental, vision, hearing)
Need help choosing? That’s what I’m here for!
✅ 3. Don’t Forget Drug Coverage (Part D)
Even if you don’t take many meds now, signing up late could mean penalties later. It’s smart to look into a Part D plan or a Medicare Advantage plan that includes it.
✅ 4. Know the Deadlines
Initial Enrollment Period (IEP):
Starts 3 months before the month you turn 65
Ends 3 months after
Miss it? You might have to wait and pay a late penalty.
✅ 5. Let’s Make a Plan Together
Everyone’s situation is different.
Whether you’re:
- Still working and have employer insurance
- Retired and ready to enroll
- Helping a family member
I’ll help you figure out what makes the most sense. Get in touch today.
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