Are you about to turn 65 and need Medicare explained to you better than those ads on TV? You’re not alone. Tens of thousands of people turn 65 every day and most of what they know about Medicare are the mounds of mailers they get in the months before their 65th birthday.
So, let’s talk about the steps to take as you transition to Medicare.
Transitioning to Medicare explained
The first thing you need to know is that if you wait to enroll, you may have a penalty to pay and may experience a gap in coverage. There are only certain times when people can enroll in Medicare. Some get Medicare automatically, while others need to apply. The first time you can enroll is called your initial enrollment period and it lasts seven months. Your initial enrollment period usually begins three months before the month you turn 65 and ends three months after the month you turn 65. If you are already receiving Social Security benefits, you will be auto-enrolled into Medicare. If not, you have to enroll yourself.
Finding proper coverage
It is important to know the only parts of medicare you will be auto enrolled into is original medicare. That includes Medicare Part A and Medicare Part B. So, if you need long-term care, dental, vision, hearing, and some other important things, you’ll have to enroll yourself into the proper forms of Medicare. Here’s what you can do:
- Confirm your eligibility
- Determine if you need additional coverage beyond Parts A and B
- Apply for Original Medicare at your Social Security office or their website
- Begin shopping for your additional coverage
The best thing to do is to have a licensed Medicare agent, like the ones here at Senior Help Seniors, list out the things you need and find the best blend of price and coverage for you.