About to Turn 65?
Start Planning Now to Reduce Stress and Get the Best Rates
In order to receive the best rates and most options when it comes to health coverage, 65 is the magic number. The federal rules in place protect you by giving you the freedom and power to choose, but those choices can quickly become overwhelming. United Integrity Group, Inc. is here to help! Here’s what you should know in the years and months leading up to your 65th birthday.
THE INITIAL ELECTION PERIOD IS YOUR OPPORTUNITY TO GET COVERED
Medicare coverage has an “Initial Election Period” in which you can apply for coverage and cannot be denied for factors such as your age and health. This gives you a one-time opportunity to make the best health plan decision for your needs. The Initial Election Period starts three months before the month you turn 65 and ends three months after. To determine whether you are in your Initial Election Period and what your options for coverage are, get in touch with us today, and we will be happy to walk you through the process.
The months leading up to your 65th birthday is the best time to make decisions about your health care coverage to ensure you have the most options possible. This allows you to choose the health plan that will best fit your needs in the most cost-effective way.
DOES IT MAKE SENSE FOR ME TO SIGN UP FOR MEDICARE?
Is Medicare always the best option for everyone turning 65? It depends. How long do you or your spouse intend to keep working after your 65th birthday? Do you or your spouse have credible employer coverage? At times, employer coverage may be the best option as long as it conforms to Medicare rules and guidelines. Let us help you navigate these important decisions with a simple phone call.
What happens when it’s time to make the switch? We can guide you through making the best decision for your healthcare and your wallet. You may be able to still take advantage of the Initial Election Period to sign up for Medicare after your 65th birthday, as long as you meet certain conditions: you or your spouse needs to have maintained credible coverage with no gaps, and have been working the entire time since you turned 65 to be eligible to sign up for Medicare under the Initial Election Period. Our licensed representative can help you determine your eligibility and find the best health plan available to you, so call us today.
HOW DO I SIGN UP FOR MEDICARE?
A good first step is to contact one of our agents, who can help you through the Medicare process and will advocate to find you the best plan. When you’re ready to sign up for medicare, you can visit Medicare.gov to begin the application process. If you get stuck or have a question, our agents can meet with you to walk you through it, or provide assistance over the phone with screen share.