Turning 65?
What You Need To Know

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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

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

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

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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

 

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

 

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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.

Our mission at Senior Healthcare Advisors is to ensure this does not happen. We take pride in being thorough and efficient.

 

​Our licensed Medicare agents are ready to assist with all your Medicare-specific questions and needs.

Our contact centers are open Monday to Friday 9 AM to 9 PM Eastern Standard Time

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    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.

    Turning 65.What Do I Need To Do?

    If you’re 65 years old, you might be anticipating a variety of things, like having grandkids, retiring from your job, or going on a trip you’ve always wanted to. It’s possible that the year you turn 65 may mark the beginning of your eligibility for Medicare, making it a landmark year for you as well. Anyone who has turned 65 and is qualified for Social Security benefits is entitled to free Medicare Part A.

    Medicare is the name of the federal government-run health insurance program that offers hospital (Part A) and (Part B) medical insurance to those who are 65 years of age and older, as well as those individuals under 65 who qualify due to a handicap. The Original Medicare program consists of Medicare Parts A and B.

    When Should I Sign Up For Medicare?

    If you are turning 65, you are eligible for Medicare. You can sign up for Medicare three months before your 65th birthday, your birthday month, or three months after your birthday. If you do not sign up for Medicare during this time frame, you may have to pay a penalty.

    What Are The Alternatives For Original Medicare When You Turn 65?

    When you turn 65 and become eligible for Medicare, you might seek Medicare coverage beyond Original Medicare (Part A and Part B). This might comprise:

    • Medicare Supplement Insurance (Medigap) plans: Plans for Medicare Supplement insurance assist in covering deductibles, copayments, and other out-of-pocket expenses. Once you turn 65 and sign up for Medicare Part B, you have a six-month open enrollment period for Medicare supplements.
    • Medicare Part D: Medicare Prescription drug coverage is provided under Medicare Part D. Some Medicare beneficiaries choose Part D coverage since Original Medicare typically does not cover the majority of the prescription medications you take at home. You have a 7-month initial enrollment period for Part D that begins three months before your 65th birthday, includes your 65th birthday, and ends three months after.

    A Medicare Advantage plan can also be something you want.

    • A private insurance firm that offers Medicare Advantage is an alternative option to receive your Part A and Part B benefits. The Medicare Advantage Initial Enrollment Period is the same as the Medicare Part D Initial Enrollment Period, which is 7 months. Medicare Advantage plans must cover everything that Medicare Part A and Part B cover, with the exception of hospice care, which is still covered by Medicare Part A. It begins three months prior to turning 65, spans the month of your 65th birthday, and concludes three months following that milestone.

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