The information supplied on this page is accurate to the best of our knowledge, but no warranty or guarantee is expressed or implied regarding the accuracy of the information presented here. While we will try to keep this information accurate, changes in law, rules, or statutes can make some information outdated. For the most up-to-date information regarding your questions, you are welcome to call us with questions.
When am I eligible to enroll in Medicare?
You may enroll into Medicare 90 days prior to the month when you turn 65 years old. You also must meet certain work-related eligibility requirements.
Can my spouse be on my Medicare plan?
Each Medicare plan is individual which means your spouse must enroll on their own.
What happens if I miss the enrollment window?
If you miss your enrollment window, you will have a gap in coverage, and you may face a penalty from Medicare. For each month you are absent from the plan, there are associated penalities ranging from 10% for Part B and 1% of the national average for Part D for each of these months.
Do I need Medicare if I have retirement benefits?
Retirement benefits can sometimes supplement Medicare primary benefits.
Does Medicare cover dental or offer dental plans?
While Medicare does not, some Advantage plans offer limited dental coverage.
Should I have both a Medicare Advantage Plan and a Medicare Supplement Plan?
No, you should not have both.
Do I need to enroll in both Part A and Part B of Medicare?
Most people should enroll in Medicare Part A when they turn 65, even if they have health insurance from an employer because most people paid for Medicare taxes while working and do not need to pay a monthly premium for Part A.
If you contribute to an HSA (Health Savings Account) or if you must pay a premium for Part A, you may want to consider waiting.
Most people need to enroll in Medicare Part B when they turn 65, and only people who have health insurance through an employer may be able to delay enrolling in Part B. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part B benefits and begin paying for them.
Please see this Centers for Medicare and Medicaid Services Fact Sheet
for more information.
How much will I pay for Medicare Part A and Part B?
Most people do not pay a monthly premium for Part A. This is called "premium-free Part A".
Everyone pays a monthly premium for Part B, and this premium varies depending on your income and when you enroll in Part B. Most people will pay the standard premium amount.
What is a Part C plan?
This is a Medicare Advantage plan. This may also be called MA, MSA, or MA-PD. MA-PD includes prescriptions.
What is Part D?
Part D includes the Prescription Drug plan that was introduced in 2006 for Medicare.
Do I need to give up my employer coverage if I enroll in Medicare?
If you plan to continue working and the employer group has 20 or more eligible employees, then you may be able to keep this plan.
How do I sign up for Medicare?
You can visit https://www.ssa.gov
or sign up in person at a local Social Security office.