Medicare Timelines

6 months before you turn 65 find a local Medicare Supplement Expert to guide you through the process.

Why? A good agent can easily answer your questions and explain all your options. We can also help sign you up for Medicare Parts A, B, D, and find the best Medicare Supplement plan at the lowest possible cost. We can handle it all in person at our office or you can stay in the comfort of your own home … it is totally up to you.

Best of all it cost you nothing because we are compensated by the insurance companies for finding a solution that fits your needs and budget. So regardless of how or where you purchase your Medicare plan, the cost is same. So why not have an expert do the work for you so you can just relax!

6 to 3 months before you turn 65 buy a Medicare Supplement Plan.

You can submit your application as early as 6 months prior to the first of the month in which you turn 65. This would be an advantage to you for a couple of reasons:

  1. Companies will determine your rates based on your date you submitted your application. This ensures you will get the best rate possible and avoids any risk of rate increases that might occur between your signature date and start date plus your rate will be locked in for a year.
  2. You will feel much more comfortable when the process is done and you have your policy and ID cards in hand by your start date. The absolute latest you will want to apply if you want your policy cards in hand by your start date is 6 weeks prior to your Medicare start date.

3 months before you turn 65 enroll in Medicare Part B (Medical).

You can enroll in Medicare during the seven-month period that begins three months before the month you turn 65. Coverage can start as early as the month of your 65th birthday. If you don’t sign up during this initial enrollment period, you could be charged higher premiums for the rest of your life. If you are still working and have health insurance through your employer, you may be able to delay signing up for Medicare without penalties.

3 months before you turn 65 enroll in Medicare Part D (Drug Plan).

You can join a drug plan at any time during your seven-month initial Medicare enrollment period. This lasts from three months before to three months after the month you turn 65. If you do not sign up for a plan you will have to pay a late enrollment penalty based on how long you went without Part D or creditable prescription drug coverage.

Do you really want to do this all by yourself and possibly make a mistake? If you will work with an independent agent that specializes in Medicare supplements you can make your transition to Medicare easy as pie!

Feel free to call me with any questions at (512) 900-3008.  I am here to help you!

Take Care,

Greg Downing

 10 Advantages of Working With a Local Medicare Supplement Expert!

  1. Medicare expertise
  2. Greater options
  3. Working with an agent doesn’t cost you anything
  4. Meet face to face
  5. Tailored guidance
  6. Saves You Time
  7. Experience matters
  8. Area specialty
  9. One-stop shopping
  10. Service after the sale

 

512-900-3008
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9600 Great Hills Trail Suite 120E
Austin, TX 78759
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