Frequently Asked Questions

Q: I’m turning 65 this year and I plan to retire. When am I eligible to enroll into Medicare?

A: Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.

Q: Can my dependent spouse be on my Medicare plan?

A: Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.

Q: Do I need to enroll in Part “A” and Part “B” of Medicare?

A: Yes, you do. It is a good idea to verify if signing up for Medicare is the right decision for you. We would be happy to assist you.

Q: Can I keep all my same doctors when I’m on Medicare?

A: You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t. We will check this during your evaluation

Q: What happens if I miss my designated enrollment window into Medicare?

A: In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.

Q: Where do I go to get signed up for Medicare?

A: Online at SSA.gov or in person at a local Social Security office.

Q: Can I keep my employer coverage?

A: Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.