I’m turning 65 this year and I plan to retire. When am I eligible to enroll in Medicare?

Assuming you’ve met the work-related eligibility requirements, you can begin enrolling in Medicare up to three months before the month you turn 65. This is called your Initial Enrollment Period, and it also includes your birthday month and the three months after.

Can my dependent spouse be on my Medicare plan?

No. Medicare is individual coverage, so each person must qualify and enroll on their own. Your spouse will need to enroll separately when they become eligible.

Can I keep my employer coverage?

In many cases, yes. Whether it makes sense to keep employer coverage depends on your company’s size, your benefits, and your retirement plans. I can review your situation and help you decide which option works best for you.

Do I need to enroll in Part “A” and Part “B” of Medicare?

Most people should enroll in Part A when they become eligible since it’s usually premium-free. Part B depends on your situation. If you’re retiring or losing employer coverage, enrolling in Part B is usually recommended to avoid penalties.

Can I just have “Original Medicare” A + B as my health insurance at retirement?

You can, but Original Medicare does not cover everything. There are deductibles, coinsurance, and no out-of-pocket maximum. You have options available to either add a supplement and prescription drug plan or elect to replace orginal Medicare with a Medicare Advantage plan.  I can review your situation and help you decide which option works best for you.

Can I keep all my same doctors when I’m on Medicare?

It depends on the type of Medicare plan you choose and whether your doctors accept Medicare. Many providers do, but I always recommend confirming before enrolling. I’m happy to help you check.

Does Medicare cover me if I’m in a nursing home?

Medicare may cover short-term skilled nursing care after a hospital stay, but it does not cover long-term custodial care. Long-term care usually requires other coverage or private payment.

I am entitled to retiree benefits. Does that mean I won’t need Medicare?

Not necessarily. Most retiree plans require you to enroll in Medicare when you’re eligible. Medicare often becomes your primary coverage, with retiree benefits working as secondary coverage.

What is Part “D”?

Part D is Medicare’s prescription drug coverage. It helps cover the cost of medications and is offered through private insurance companies approved by Medicare.

What happens if I miss my designated enrollment window into Medicare?

Missing your enrollment window can result in late penalties and coverage delays. These penalties may last for life, which is why it’s important to enroll on time. I help my clients avoid these issues whenever possible.

What is a Part “C” plan?

Part C is also known as Medicare Advantage. These plans are offered by private insurance companies and combine Parts A and B, and often Part D, into one plan. Many include extra benefits like dental, vision, and hearing.