*We are not affiliated with or connected with Medicare or any other government program or agency.

Embracing *Medicare at 65: 

What You Need to Know

Turning 65 is a significant milestone in many ways. It might be the age when you look forward to spending quality time with your grandchildren, consider retirement, or embark on a long-awaited journey. Additionally, for many, the age of 65 signifies the commencement of their *Medicare eligibility, adding another dimension to this pivotal year. If you’re 65 and eligible for Social Security benefits, you can access Medicare Part A at no additional cost.

*Medicare, a health insurance initiative by the federal government, provides hospital coverage (Part A) and medical insurance (Part B) to individuals aged 65 and above. Additionally, those under 65 with certain disabilities can also benefit from this program. Collectively, Medicare Parts A and B are referred to as Original Medicare.

 

When Should You Sign Up for *Medicare?

As the age of 65 nears, it’s time to think about *Medicare enrollment. The optimal period for this spans three months before your 65th birthday, includes the birthday month, and continues for three months after. It’s crucial not to miss this seven-month window, as delays might lead to extra costs.

 

Exploring Medicare Options Post-65

Once you’re 65 and have enrolled in Medicare, you might ponder over enhancing your coverage beyond the standard Medicare Part A and Part B. Here’s a glimpse of the available choices:


➔  Medicare Supplement (Medigap) Plans: These are designed to fill the gaps in Original *Medicare by addressing costs like deductibles and copayments. Upon joining Medicare Part B at 65, you have a six-month period to choose a Medigap plan without undergoing health evaluations.


➔ Medicare Part D: Tailored for prescription drug coverage, Part D is a go-to for many since Original Medicare doesn’t comprehensively cover medications taken at home. The sign-up period for Part D coincides with the seven-month window around your 65th birthday.


➔ Medicare Advantage Overview: Delivered by private insurance companies, Medicare Advantage is an alternate route to access the benefits of Part A and Part B. The sign-up timeline for Medicare Advantage aligns with that of Part D, covering seven months. It’s worth noting that while these plans cover most benefits of Parts A and B, hospice care remains exclusively under Part A. The enrollment phase begins three months before turning 65 and concludes three months after the birthday.

[/vc_column_text][/vc_column][/vc_row]

Compare Plans

 

When Is the Right Time to Enroll in Medicare?

As you approach the age of 65, you become eligible for *Medicare. The ideal window to register for *Medicare encompasses the three months leading up to your 65th birthday, the month you turn 65, and the subsequent three months. Missing this seven-month timeframe might result in additional charges.

What Options Do I Have Beyond Basic Medicare at 65?

Upon reaching 65 and qualifying for *Medicare, you might contemplate expanding your *Medicare coverage beyond the foundational Medicare Part A and Part B. Here are some options to consider:

➔ Medicare Supplement (Medigap) Plans: These plans help bridge the gap by covering costs like deductibles, copayments, and other expenses not covered by Original Medicare. After enrolling in Medicare Part B at 65, you get a six-month window to opt for Medigap without any health screenings.

➔ Medicare Part D: This is dedicated to prescription drug coverage. Since Original Medicare doesn’t extensively cover home prescription medications, many opt for Part D. The enrollment window for Part D is the same seven-month period around your 65th birthday.

➔ Considering Medicare Advantage: Offered by private insurers, Medicare Advantage serves as an alternative means to avail your Part A and Part B benefits. The enrollment period for Medicare Advantage mirrors that of Medicare Part D, spanning seven months. These plans are mandated to offer all benefits provided by Medicare Part A and Part B, barring hospice care, which remains under the purview of Part A. This period starts three months before you turn 65 and extends three months post your birthday.

 
[/vc_section]
VERIFY ENROLLMENT QUALIFICATION

We ask you three questions that tells us if we can help you within the first 3 minutes of speaking with us.

VERFIY BENEFIT AVAILABILITY

If you have a qualified enrollment period, next, we verify that the benefits you need are available in your zip code.

REVIEW SUMMARY OF BENEFITS

We go over the entire plan benefits from top to bottom with you for you to decide.

VERIFY YOUR DOCTORS ARE IN-NETWORK

We verify your current doctors are in network with the plan with the benefits you need. If you are on the market for new doctors, we help you find them.

VERIFY IF YOUR MEDICATIONS ARE COVERED

We verify if all your prescription medications are covered.

COMPLETE ENROLLMENT APPLICATION

We verify the information on your Medicare enrollment application, recite required Medicare enrollment disclaimers, and submit your enrollment to Medicare.

WHAT OUR CLIENTS ARE SAYING


It’s imperative for beneficiaries to thoroughly explore available options, ensuring alignment with their specific healthcare and financial needs. Always validate information with the most recent and localized data to ensure accurate and beneficial plan selection.


“Get Help Enrolling in a Medicare Advantage Plan from a Licensed Sales Agent”

    Get In Touch

    Electronic Scope of Appointment

    Senior Healthcare Advisors offers Medicare Advantage plans, Supplement Insurance plans, and Stand-Alone Prescription Drug plan options.
    Agreeing to this does not affect your current or future Medicare enrollment status, nor will it obligate you to enroll or automatically enroll you in a plan. This scope of appointment is effective as of: and grants permission to discuss the above plan types, You may revoke consent to contact or scope of appointment at any time.

    Terms & Conditions

    You may be contacted by a licensed insurance agent. Providing your number (000.000.0000) and clicking “yes” is your electronic signature authorizing Senior Healthcare Advisors, LLC, and its affiliates, agents, representatives, and service providers (collectively, “Senior Healthcare Advisors”) to send you marketing telephone calls, pre-recorded calls, text messages, and messages at the number and email address you provided using an ATDS or automated systems for the selection or dialing of telephone numbers. Your consent is not required as a condition of purchase. Benefits may vary by carrier and location. Limitations and exclusions may apply. We do not offer every plan available in your area. Currently we represent [6] organizations which offer [81,602] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We are not responsible for the content or accuracy of the information provided by other sources. It is important to note that our marketing materials may not include all the plans available in your area, and any information we provide is limited to the plans we offer in your area. You also confirm that you are the subscriber to, or the customary user of, the telephone number and e-mail address you provided. You may unsubscribe at any time. Senior Healthcare Advisors, LLC, a licensed health insurance agency that sells Medicare products and operates as Senior Healthcare Advisors,LLC owns Senior Healthcare, Advisors, LLC a non-government organization. Please note that Senior Healthcare Advisors is not affiliated with or connected with Medicare or any other government program or agency. Senior Healthcare Advisors, LLC, represents Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan’s contract renewal. Enrollment can be limited to certain times of the year unless you qualify for a special election or enrollment period or you are in your Medicare Initial Election Period. General Benefits: Not all plans offer all of these benefits; benefits may vary by carrier and location. Limitations and exclusions may apply.

    LATEST HEALTH NEWS

    WHAT WE OFFER ?

    GETTING STARTED WITH MEDICARE

    Choosing the best Medicare advantage plan can become a long and excruciating process without having the right team of experts to support you in your decision-making. Read More

    WHAT IS MEDICARE ADVANTAGE?

    The first step in understanding Medicare health insurance and all the benefits you can get with Medicare is to ask the right questions. These are a few of the right questions to ask with the answers. Read More

    WHAT IS OTC (OVER-THE-COUNTER)?

    Over-the-counter items or OTC for short are medicines or products that are used to aid in the treatment or management of certain health conditions or for general health and wellness. Read More

    VISION COVERAGE

    Cataracts enormously impact the quality of your life and your activities of daily living. Read More

    HEARING COVERAGE

    Gradually diminishing hearing or age-related hearing loss is a common problem for individuals over 65. It is a condition referred to as presbycusis, and one out of every three older adults experience some level of hearing loss. Read More

    DENTAL COVERAGE

    Yes and no. The answer depends on the Medicare coverage you have currently. If you only have Medicare Part A, hospital, and Part B, medical, then no. If you have a Medicare Advantage plan or Medicare Part C, yes. Read more

    MEDICARE GIVEBACK PROGRAM

    With Medicare Part B premiums rising in 2022, you may want to look for ways to save money and lower your premiums on your Medicare costs. New Medicare Advantage giveback plans do just that…give back! They give back a portion of your Part B premium. Read More

    *We are not affiliated with or connected with Medicare or any other government program or agency.