Medicare Explained

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.

If you’ll be turning 65 soon, you have some important healthcare decisions to make.

You’ve probably gotten mail from many insurance companies all raving about their outstanding Medicare plans. Your phone might be blowing up. You also might be consumed by radio and TV ads. Unless someone takes the time to explain Medicare to you, it could cause uncertainty and frustration. At Turning 65 Solutions, we know how complex all of this can be, and we’re here to make life easier for you and your loved ones.

As you make the transition to Medicare, there are some key things to know and some key steps to take.

Transitioning to Medicare Explained

First, you should know that waiting to sign up for Medicare can cause you problems. For example, you may have to pay a fine and you could experience a gap in coverage. Only during select times can you enroll in Medicare. Some individuals receive Medicare benefits automatically, while other people have to apply.

The first period you can enroll is called your initial enrollment period, which is seven months long. This term usually starts three months before the month you turn 65 and concludes three months after the month you turn 65. If you’re already getting Social Security benefits, you’ll be automatically enrolled into Medicare. Otherwise, you have to enroll yourself.

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Finding Proper Coverage

The only parts of Medicare you’ll be automatically enrolled into (if that’s your scenario) is Part A and Part B, or “Original Medicare.”

If you need long-term care such as dental, vision, or hearing, you’ll have to enroll yourself into the proper forms of Medicare. You can take these steps:

Validate your eligibility
Learn if you need additional coverage beyond Original Medicare
Apply for Parts A and B at your Social Security office or on their website
Start looking for your additional coverages

It’s best to have an experienced Medicare agent who will guide you and help answer your questions. Ron Ray will create a list of what you need and identify the best combination of price and coverage for you.

Transition to Medicare With Turning 65 Solutions

Turning 65 Solutions has a devoted team of Medicare experts who are on your side. We love helping our clients choose the best Medicare Supplement, Medicare Advantage Plan, and/or Prescription Drug Plan for their budget and healthcare needs. We also want to make your transition to Medicare smooth and hassle-free. Call 830-217-6711 for Medicare help!