Five Things to Know Before You Enroll in Medicare

Enrolling in Medicare can be confusing. Here are five things to know to help you better prepare for the process:

  1. Enrollment is not always automatic when you turn 65.
    You’ll have to sign yourself up for Medicare on or around your 65th birthday, unless you’re receiving Social Security or Railroad Retirement Board benefits before you turn 65.
  2. Find out well before your 65th birthday when your Initial Enrollment Period (IEP) dates are and put them in your calendar.
    Around your 65th birthday (or 25th disability check), you’ll have a 7-month window of time when you can sign up for Medicare (your IEP). Your IEP includes your 65th birthday month, the 3 months before and the 3 months after.
  3. If you’re planning to work past the age of 65, you may be able to delay enrolling in Medicare.
    If you have credible health care from your employer, or are covered under a spouse’s health care plan, you may qualify for a Special Enrollment Period that will allow you to delay enrolling without penalty. There are exceptions – for example, if your company employs less than 20 people, you will need to enroll in Medicare during your IEP.
  4. There are several parts to Medicare coverage and many coverage choices to consider.
    Your personal situation (health and lifestyle needs, your employment status, health conditions, prescription drug use and if you need dental or vision coverage) will determine which parts of Medicare you should enroll in. 
  5. Hafetz and Associates will guide you through every step of Medicare Enrollment and determine your best coverage needs, at no additional cost to you.
    You need not navigate the many Medicare decisions and choices alone. A knowledgeable Hafetz Medicare Consultant can take you through the entire process and develop and coverage plan that fits your unique needs for FREE. If you’re nearing the age of 65, give us a call today. We’re here to help!

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