When it comes to considering your Medicare options, you can spend hours doing your own research or you can make a single call to Roberts Insurance Group. We’ll search thousands of plans from nationally recognized companies to find the coverage that best fits you … at a price that fits your budget. And we’ll do it at no cost to you.
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When Should You Apply for Medicare?
You have a specific timeframe that is referred to as your Initial Enrollment Period or IEP. This timeframe is centered around when you turn 65, so the exact months are different for everyone. You have a 7-month window with which to work. Here’s the breakdown of your eligibility time:
- The first day you’re eligible is 3 months before you turn 65.
- You also have the entire month of your birthdate to enroll.
- Your IEP ends 3 months after the month you turn 65.
If for some reason, you miss signing up during your Initial Enrollment Period, there is the General Enrollment Period. The Medicare enrollment period of 2021 is between January 1 – March 31, and it is that time every year.
Additionally, special circumstances allow you to transition to an enrollment period that doesn’t incur penalties or fees. This is called the Special Enrollment Period (SEP). The main reason you would qualify for this special circumstance enrollment is that you were already covered by insurance through your or your spouse’s work. The timeframe for SEP is the month after you are no longer employed or receiving medical insurance, and it extends for 8 months.
If you were serving in a foreign country as a volunteer, you may also be eligible for the Special Enrollment Period (SEP). However, COBRA and retiree health plans are not eligible for the SEP.
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Medicare Insurance Plans Focused on Your Specific Needs and Goals.
Medicare is federal health insurance for people 65 years or older and for those who are eligible due to a disability. The Social Security Administration recommends that you apply for Medicare Part’s A and B three months before you’d like your benefits to begin.
You will typically receive Medicare Part’s A and B enrollment information in the mail directly from the Social Security Administration, but if you don’t you’ll want to call them at 1-800-772-1213.
Medicare Part A is your hospital insurance coverage. Medicare Part B is your medical insurance that cover’s doctor bills and office visits. While basic Medicare (Part’s A and B) covers many of your health costs please note that they do not cover everything. For most people your Medicare Part A is free.
If you’re a Medicare beneficiary looking for coverage to fill in the gaps for Medicare Part A and Part B, you’ve come to the right place. Here you’ll find a choice of supplemental or “Medigap” coverage options at competitive rates to help fill those gaps.
For 2021, Medicare Supplement or “Medigap” plans are available in standardized plan designs: A, B, C, D, G, K, L, M and N. All plans provide government-prescribed Basic Benefits.
Confused by all the options?
Confused by all the options? Call Zach at 720-985-1213 and he will be happy to explain all your options and send your a quote for you to review at your convenience.
