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Flexibility

Turning 65 Q's

Turning 65 ???

Adding a Medicare Supplement (Medigap) plan to your existing Original Medicare (Part A and Part B) is an option.  This will give you benefits not covered under Original Medicare.  The Medigap plan will also help cover co-payments and deductibles and other health care costs.  We help you through the enrollment process to make these decisions and providing answers to your questions.

FAQ

Do I have to notify Social Security when I turn 65?

You are first eligible for Medicare Part A and Part B when you turn 65.  If you are still working and receive health insurance from your employer, you may want to wait until you stop working to sign up for Medicare Part B.  However, you can still sign up for Medicare Part A even if you are still working.  There is an 8-month Special Enrollment Period to sign up for Medicare Part B once you stop working. Make sure to sign up within that time period to avoid the Part B penalty.

Will I automatically get Medicare when I turn 65?

Some people get Medicare Part A and Part B automatically, others have to sign up for it. If you’re receiving benefits from Social Security (or from the Railroad Retirement Board) at least 4 months before you turn 65, you’ll automatically be enrolled in Medicare Part A. You will also be signed up for Medicare Part B (unless you live in Puerto Rico or outside the U.S.)  It is recommended to sign up for Medicare Part B at that same time to avoid any penalties later.

What happens if I don’t enroll in Medicare Part A at 65?

If you miss your 7-month Initial Enrollment Period, you may also have to pay a penalty if you have to pay a Part A premium.

How soon do I need to apply for Medicare before I turn 65?

Your Initial Enrollment Period starts 3 months before you turn 65 and ends 3 months after the month you turn 65, lasting a total of 7 months.

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