Frequently Asked Questions

For answers to all the questions below please call me at: (937) 474-8803

How do I sign up for Medicare?

Will I be penalized if I don't take Medicare at 65?

Medicare and COBRA?

Can I have Part A of Medicare and still contribute to my HSA account?

When should I enroll in Medicare?

What if my Part D is not creditable for my employer plan?

Are there any final steps I need to take after my Medicare and Medicare plan are in place?

Can I delay my Medicare?

What happens when I enroll in Medicare the later months of my 7 month initial enrollment period?

I am turning 65 and going on Medicare. My birthday falls on the first day of the month, when will my Medicare start?

What happens if I work for a small company (under 20 employees) and I need to stay on my employer plan to cover my spouse. Do I need to pick up Medicare?

What is the donut hole and will it affect me?

I don't take any medications so do I need a drug plan?

Should I enroll in a supplement and drug plan or a Medicare advantage plan?

Will I pay more for my Part B and Part D?

What are the employer rules if I'm under 65 and entitled to Medicare due to disability?

I am on Medicare due to disability do I have the same plan options as those who are 65 and entitled to Medicare?

Do I qualify for Extra Help for my prescriptions?

How do I apply for Extra Help?

For those who want to stay on an employer plan and contribute to an HSA, make sure you stop your HSA contributions 6 months before you want to pick up Medicare or 6 months before you draw Social Security to avoid a tax penalty (retroactive part A 6 months).