FAQ
Have a question? We have compiled answers to the questions we get asked most frequently. Whether you're a new or long-time client, we hope this section provides you with the information you need quickly. If you can't find the answer you're looking for, please feel free to contact us!
At the age of 65, you must be either enrolled in Medicare, or be covered under another creditable coverage which usually comes in the form of an employer group plan.
You are eligible to sign up for your Medicare three months prior to the first of the month you turn 65. It is a process that is beneficial to start sooner than later, to ensure you can find a plan that is best suited for you and to avoid any penalties in the future.
We encourage you to compare Medicare to your group coverage, and determine which plan will fit your needs better in terms of both cost and coverage. Most group coverage through an employer would be considered creditable coverage if you decide to wait to receive your Medicare, but most times Medicare is a great option when it comes to health insurance once you turn 65.
If you have coverage under your spouse’s insurance, upon turning 65 you would be able to be on your own Medicare plan which would cover your health insurance needs.
If you do not sign up for Medicare upon turning 65, you must have what is considered “creditable coverage” in the meantime, usually received through an employer group plan or the ACA. When you are ready to switch to Medicare, a new enrollment period opens for you to switch and incur no penalties along the way.
You would only see a positive impact in terms of your Medicare if you are already receiving Medicaid benefits. There are plans where Medicare and Medicaid work together to pay your Part B premium, provide over-the-counter benefits, healthy food benefits and more.