New to Medicare
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KEY POINTS
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You enroll in Medicare Part A and Part B through Social Security, while additional plans and coverage options come from private insurance carriers.
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If you have other qualifying coverage, like insurance through a large employer, you may be able to delay Medicare past age 65 without penalties.
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Most people sign up for Medicare during their 7-month Initial Enrollment Period, which surrounds their 65th birthday.
Feeling overwhelmed? You’re not alone.
Navigating Medicare can be confusing, especially with so many parts and plans labeled with similar letters. On top of that, new enrollees receive an overwhelming amount of mail, making it hard to know what’s important.
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We often have clients walk into our office with a whole bag of Medicare-related mail, asking us to help sort through what matters and what can be tossed. And we’re happy to help!
Transitioning to Medicare as Your Primary Insurance
Switching from employer coverage to Medicare as your primary insurance might seem overwhelming at first, but don’t worry—it’s a straightforward process when you know the right steps. You’ll find most of the information you need to navigate Medicare right here on our website.
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The first thing to understand is that you’ll enroll in Original Medicare (Parts A & B) through the Social Security office. Any additional coverage, such as Medicare Advantage, Part D prescription plans, or supplemental insurance, is arranged separately through an insurance agent or agency.
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If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Medicare Parts A & B. If not, you’ll need to enroll yourself.
Transitioning to Medicare with Employer Insurance
When you're still working, your steps may look different. With many people working past 65, important decisions about your health coverage arise.
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Should you keep your employer-provided insurance and enroll in Medicare to work alongside it? Or would it be more cost-effective to transition fully to Medicare with a supplemental plan?
The best choice depends on factors like your employer’s size and your share of the insurance costs.
Frequently Asked Questions for New Medicare Beneficiaries
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KEY TAKEAWAYS
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If you were receiving Social Security benefits before becoming eligible for Medicare, you might be automatically enrolled in Medicare Part A and Part B.
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To avoid late enrollment penalties, most people should enroll in Medicare during their 7-month Initial Enrollment Period.
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Planning ahead for your Medicare enrollment ensures a smooth transition. Most people become eligible around age 65, so take the time to research your options in advance.
Medicare Guidance You Can Trust
Are you still feeling overwhelmed by Medicare? You don’t have to navigate it alone. At Kirk Warner Insurance Agency, our knowledgeable, no-pressure agents are here to guide you step by step.
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We start by helping you understand the basics of Original Medicare, so you can confidently choose the right supplemental coverage for your needs.
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Once your policy is in place, you’ll have peace of mind knowing we’re just a phone call away whenever you need assistance.
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Best of all, our expert guidance is completely FREE! Experience the difference of having Kirk Warner Insurance Agency on your side.