Making the transition into medicare involves knowing what your possible penalties can be if you wait. You may experience gaps in coverage, be subject to penalties such as late Part B enrollment or late Part D enrollment penalties that can last a lifetime. This is why it is so important now to procrastinate and speak with an advisor today to know what your options are and what the process will be.

Your initial enrollment period begins the three months before the month you turn the age of 65 and will end three months after your 65th birthday. If you have been receiving Social Security benefits, you will be auto-enrolled into Medicare. If this doesnt occur you will need to enroll yourself.

There are some exceptions to this if you have been receiving Social Security Disability for 24 months you will be enrolled into Medicare on the 25th month.

Simply jot down the questions you have and contact us and will begin to answer each of your questions today. In the ever changing world of health insurance to get the most up to date information we recommend following up with your insurance agent semi annually to go over any changes that may benefit you. We want to hear from you.