New to Medicare

Why being new is a good thing

There is no cheaper option than joining Medicare as soon as you turn 65. The time from the three months before to the three months after your 65th birthday is the Initial Enrollment Period. Take advantage of this, as not seizing this opportunity means waiting until the General Enrollment Period to enroll, which could result in late enrollment fees.

Other “news” you might be interested in

What might be new to you is an insurance premium set at zero dollars. That’s Medicare Part A, and it can be free if you join during the Initial Enrollment Period, and you or your spouse have worked for at least 10 years and paid Medicare taxes.

If you already have insurance, then Medicare will serve as a new financial cushion for you. Your main health insurance will be the first to pay, then Medicare will pay second. Your out-of-pocket costs will be lower than ever before.

Making the first step toward coverage

Medicare is personalized to the point where any relevant detail about you can be the deciding factor in what plan you should enroll in.

Have this information ready when you speak to a professional:

  • Your age, because if it has been more than three months since you turned 65, you are not in the Initial Enrollment Period anymore. You will have to join during the General Enrollment Period where late enrollment fees apply. This way, you will have an idea of what you will actually be paying in monthly premiums
  • Current health insurance policy (if you have one)
  • Your health conditions, frequency of treatments or hospital visits, and the type(s) of treatment you get
  • Financial situation

Here’s an example of how all of this fits: assume you’ve just turned 65. This is great because you can join and not have to worry about an enrollment penalty. You’re in good shape, but you have poor hearing and will more than likely need hearing aids in the future. You’re also getting by financially.

For someone in this scenario, Medicare Advantage would be the best choice. Not only does the person in this hypothetical situation have no other form of insurance – they have a condition which is covered by Medicare Advantage and not Original Medicare (the latter does not cover dental, vision, or hearing treatments).

If this person were to have employer health insurance and wanted to keep it, then Original Medicare would be the best choice given that one cannot have Medicare Advantage and another form of health insurance at the same time.

There is no universal “right” answer here. Everything about you matters. And most of all, you matter to me. I will make sure you get the best plan.

Reach out to me

It may seem like a lot of information hitting at once when you first join Medicare. But it doesn’t have to be overwhelming. I have been helping clients with their Medicare Plans for many years. For further information about Medicare and Medicare Supplements, call me today at (407) 924-8109. You can also email me at