When you are six or three months away from turning 65 or about to retire, it's a good time to start thinking about contacting a Healthcare Advocate Brokers like us to help with your Medicare options.

Here are some steps you can take:

Learn Medicare

Empower yourself by understanding the different parts of Medicare (A, B, C, D) and how they work. You can find comprehensive information on the official Medicare.gov website, or consult with Healthcare Advocate brokers like us.

When to enroll

• If you are already receiving Social Security benefits, you will likely be automatically enrolled in Medicare Part A and Part B.

• If you're working past 65, please check to see if your employer's coverage is creditable. You can wait until retirement.

• If you do not have employer's coverage, you will need to enroll yourself during your seven-month Initial Enrollment Period (IEP), which starts three months before you turn 65 and ends three months after.

Consider private insurance coverage

Original Medicare doesn't cover all healthcare costs so that you may consider additional coverage options, such as a private Medicare Supplement or Medicare Advantage plan. We are your Healthcare Advocate Broker, and we help you understand your options and choose the right plan for your needs.

Review your current healthcare coverage

If you're currently covered under an employer or union plan, or have COBRA coverage, it's important to review and compare plans to understand how your coverage will change once you enroll in Medicare. This will help you make informed decisions about your healthcare coverage and ensure that you are getting the best possible care.

Plan for prescription drug coverage

When an individual enrolls in Original Medicare (Part A and Part B), Medicare will automatically assign a prescription drug plan. However, it's important to note that signing up for a Medicare Part D prescription drug plan is crucial. This step not only ensures coverage for the out-of-pocket costs of your medications but also helps you avoid a lifetime penalty. Don't miss out on this essential protection for your health and finances.

Get personalized advice

"Your healthcare needs are unique, and it's crucial to have the right guidance. Trust healthcare advocates like us to offer personalized advice tailored to your individual situation. Let us help you make the best choices for your health and well-being."

Mark important dates

It's essential to keep in mind the following information:

Make sure to take note of your

• Medicare Initial Enrollment Period (IEP)

• Annual Medicare Enrollment Period starting October 15–December 7th

• Special Enrollment Period, and other important deadlines to avoid missing any crucial enrollment windows.

If you have any questions or need guidance on your Medicare options, don't hesitate to reach out to our experienced brokers.

We're here to help you navigate the complexities of Health Insurance.