My Medicare Broker

Late Enrollment Penalty ?

     Typically, Part A comes without a premium, that is if you
     have worked more than 40 quarters. However, those who
     choose not to enroll into Medicare Part B, or Part D, when
     First Eligible, will face a Late Enrollment Penalty.

     You are first-eligible to enroll into Medicare (3) months
     prior to your 65th Birthday. Generally you are late, if you
     wait more than (3) months past your 65th Birthday unless
     you have another coverage, such as from your employer.

     If you turn 65 while covered under an employer group-plan,
     once you disenroll from it and enroll into Medicare, you may
     loose the opportunity to re-enroll back into that group-plan.

Medicare Supplement Plans are design to cover
some of the out-of-pocket expenses that Original
Medicare doesn't cover, including premiums,
deductibles, co-payments and co-insurance.

Are You 65 years old?
Choosing the right Medicare Plan is important

Our Medicare Advisors can explain how medicare works, and show you options
based on your zip code, then walk you through the application, all at no-charge.

Did You Know, Medicare Supplements or Medi-Gap Plans are Guaranteed issue
when you initially enroll, but after 6 months, then there is qualifying questions...
However, Medicare Advantage Plans are available regardless of medical history.