Welcome to Medicare: What to Expect When You Turn 65

Turning 65 is a significant milestone, and one of the most important aspects of this transition is enrolling in Medicare. At MedStar Insurance Agency, we understand that navigating Medicare enrollment can be complex, which is why we’re here to guide you through every step of the process.

Understanding Medicare Eligibility

Medicare eligibility begins at age 65 for most Americans. You’re automatically eligible if:

• You’re a U.S. citizen or permanent legal resident
• You’ve lived in the U.S. for at least 5 years
• You or your spouse has worked and paid Medicare taxes for at least 10 years

Key Enrollment Periods

Initial Enrollment Period (IEP)

Your Initial Enrollment Period is a 7-month window that:

• Begins 3 months before your 65th birthday
• Includes your birthday month
• Ends 3 months after your birthday month

This is the ideal time to enroll in Medicare to avoid potential penalties and gaps in coverage.

Special Enrollment Periods

You may qualify for a Special Enrollment Period if:

• You’re still working and have employer coverage
• You’re covered under your spouse’s employer plan
• You’re moving to a new area
• You’re losing other health coverage

Parts of Medicare

Part A (Hospital Insurance)

• Covers inpatient hospital stays
• Skilled nursing facility care
• Hospice care
• Some home health care

Part B (Medical Insurance)

• Doctor visits
• Outpatient care
• Medical supplies
• Preventive services

Part C (Medicare Advantage)

• Combines Part A and Part B coverage
• Often includes Part D (prescription drug coverage)
• May offer additional benefits like dental and vision

Part D (Prescription Drug Coverage)

• Helps cover the cost of prescription medications
• Available through private insurance companies

How MedStar Can Help

At MedStar Insurance Agency, we make your Medicare transition easier by:

1. Personalized Guidance: We assess your specific healthcare needs and budget to recommend the best coverage options.

2. Enrollment Support: We help you navigate the enrollment process, ensuring you meet all deadlines and requirements.

3. Plan Comparison: We compare available plans in your area to find the best fit for your needs.

4. Ongoing Support: We’re here to answer questions and help you make changes to your coverage as your needs evolve.

Common Questions About Medicare Enrollment

When should I start planning?

We recommend starting your Medicare planning 3-6 months before your 65th birthday to ensure a smooth transition.

What if I’m still working?

If you’re still working and have employer coverage, you may be able to delay Medicare enrollment. We can help you evaluate your options.

How much will it cost?

Costs vary based on your specific situation. We’ll help you understand:

• Premiums
• Deductibles
• Copayments
• Out-of-pocket maximums

Take the Next Step

Don’t navigate Medicare enrollment alone. Contact MedStar Insurance Agency today to schedule a free consultation. Our experienced agents will help you:

• Understand your Medicare options
• Compare available plans
• Complete your enrollment
• Ensure you have the coverage you need

Remember, making informed decisions about your Medicare coverage is crucial for your health and financial well-being. Let us be your trusted partner in this important transition.

Contact us today to learn more about how we can help you with your Medicare enrollment.