Q: Do I need to enroll in Medicare if I’m still working?
A: It depends on your situation. If you have health insurance through your job (or your spouse’s), you may be able to delay some parts of Medicare without penalties. But it’s a good idea to speak with a licensed agent—we can help you figure out what makes the most sense for your timeline and budget.
Q: What’s the difference between Original Medicare and Medicare Advantage?
A: Original Medicare comes directly from the government and includes Parts A and B. Medicare Advantage plans (Part C) are offered by private companies and often include extra benefits like vision, dental, and drug coverage. We can help you compare both options based on your needs and lifestyle.
Q: When is the Medicare enrollment period?
A: Your Initial Enrollment Period starts three months before your 65th birthday and lasts seven months. There’s also an Annual Enrollment Period each year from October 15 to December 7. Missed the deadline? No worries—there may still be a Special Enrollment Period you qualify for. Let’s talk it through.
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