Medicare is health insurance for people ages 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Medicare has the following parts:

• Part A (Covers Hospitalization)

• Part B (Medical Insurance, covers testing and doctor visits)

• Part C (Medicare Advantage Plans, like an HMO or PPO)

• Part D (Medicare prescription drug coverage)

For more information check out Medicare and You

It depends on your situation:

If you’re still working and covered by group benefits -
Ask your HR department these important questions:

• Can you stay on your group benefits after turning 65?

• Do they require you to enroll in Medicare Part B?

• How much are your monthly group benefit premiums?

• Do you have family members on your plan?

• How often do you use your current benefits?

Once you have these answers, give us a call and we can help you decide whether staying with your group or enrolling in Medicare is the best option. In many cases, staying with your group coverage could be the right choice.

If you’re not covered by group benefits:
You’ll want to start Medicare Part A and Part B. Coverage begins the first day of the month you turn 65 (or the month before, if your birthday is on the 1st).

Important to know:

• There are no penalties for delaying Medicare Part B if you have qualified group coverage.

• You may still want to sign up for Part A only while working. Part A usually has no premium and can make things easier when you retire.

It depends on your situation:

• Turning 65:

  • If you already receive Social Security benefits, you’ll be automatically enrolled in Medicare Part A and Part B.

  • Your Medicare card will arrive in the mail about 3–4 months before your birth month.

• Coming off group benefits:

  • Plan ahead—start about 2 months before your group health coverage ends.

  • Ask your HR department for the official Medicare form that proves you’ve had group coverage since turning 65. This form ensures you won’t face late-enrollment penalties.

Next steps:
Once you know your timeline, give us a call. We’ll walk you through the process and help you explore the Medicare options that fit your needs best.

No. We’re not limited to just Medicare supplements. While Medicare is our primary focus, we also help clients with a wide range of coverage options, including:

• Medicare Advantage plans

• Dual Eligible plans

• Individual health insurance

• Short-term health insurance

• Ongoing care outside of the hospital

• Home health plans

• Short-term care

• Long-term care

• Hybrid long-term care solutions

• Life insurance (including term life)

Our goal is to match you with the coverage that best fits your health and financial needs, not to limit your options.

No, meeting in person isn’t required. We can work with you in the way that’s most convenient:

• By phone

• Through email

• In person

The process is flexible so you can choose what’s most comfortable for you.

There is no extra cost to you when working with a broker. We are paid by the insurance companies, not by our clients. That means you get the benefit of expert guidance, plan comparisons, and ongoing support, at no additional charge.

Our goal is to make sure you find the plan that truly fits your needs and budget, without adding any extra expense.

Working with a broker gives you personal guidance and ongoing support. Instead of navigating the many Medicare options on your own, a broker can:

• Compare plans from multiple insurance companies, not just one carrier

• Help ensure your doctors, hospitals, and prescriptions are covered

• Explain your choices in plain language, so you feel confident in your decision

• Assist with paperwork and enrollment to avoid mistakes or delays

• Be your advocate year after year, if your needs or coverage change

The best part? There’s no extra cost to you. We work for you, not the insurance companies, making sure you find the plan that truly fits your needs.