When to apply for Medicare

You need to start applying 3 months before you turn 65. If you enroll during the first 3 months of the initial enrollment period, your Medicare health plan will be in effect the first day of the month you turn 65. However, if your 65th birthday is on the first day of the month, your policy will, instead, go into effect on the first day of the month before your 65th birthday. In order to best utilize your Medicare health insurance, it’s important to apply as soon as you possibly can.

You'll want to have your Part A & Part B Medicare card as soon as possible. If you don’t sign up for Part A or Part B Medicare coverage, you could be stuck with costly penalties. Also, if you don’t have any health care coverage, you may have to deal with extra fees you could have otherwise avoided by having your Part A and Part B Medicare health plans in place.

Missing the deadline can incur penalties. If you don’t sign up for Part A during your initial enrollment, you may be stuck paying a higher premium for twice the number of years you avoided signing up. In addition, if you don’t obtain Part B coverage when first eligible for it, you may have to pay a penalty for late enrollment for the duration of your Medicare coverage. The monthly premium may even go up 10% for every full period of 12 months that you could have obtained Part B coverage but didn’t get it.

With my help, we can find the carrier best suited to your situation. I can help you select the best carrier for Medicare coverage based on your personal situation, so you don’t have to worry about missing the deadline and being without the coverage you need. Medicare may seem tricky at times, so rest assured in knowing that I am here to help you understand everything you need to know about obtaining Medicare coverage.

Help you understand the intricacies of getting Part A & Part B coverage. There are many fine details when it comes to obtaining Part A and Part B Medicare health plans, but I can clearly explain them to you and answer any questions you may have. Part A and B cover different health care services and I can help you gain a better understanding of each one.

Call us at (818) 404-1446 to help get you started on a Medicare plan that’s right for you!

About the Author