Decisions for someone who is nearing age 65

As you near age 65, you need to learn about Medicare coverage choices and make several important enrollment decisions. This fact sheet will give you a list of the steps you shouldtake and tell you about resources to help you make your Medicare enrollment decisions. There can be penalties if you do not enroll on time, so it is best to complete these tasksat least 3 months BEFORE you turn 65. Please note you can enroll on Medicare Parts A & B with Medicare about 90 days before your 65th birthday. IF YOU ARE STILL WORKING and your company has less than 20 employees you still MUST enroll on Medicare… Read More

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What is Medicare’s Secondary Payer Program?

Depending on your circumstances, you may be able to have Medicare and an additional type of health coverage to help you pay for health care costs. Medicare’s Secondary Payer Program lays out how they work together. It’s not uncommon to have an insurance plan for everything, just in case. You can have a Medicare plan, a drug plan, and a dental, vision, and hearing plan. You also may have life insurance, long-term care, and more. It’s possible to have one that plan encompasses mutliple types of coverage, like a Medicare Advantage plan that covers prescription drugs, and dental, vision, and hearing services. Sometimes, it’s possible to have multiple policies for a single… Read More

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