ARE YOU APPLYING FOR BOTH MEDICARE PART A --- AND PART B --- AT AGE 65?
If this is your situation, you will have a 3 month (90-day) Initial Enrollment Period pre-dating your birth month to get all your ducks in a row.
Example: You are born in September, your Medicare Initial Enrollment Period would be the 3 months before September: June, July, August.
If you apply for Medicare within that 90-day period, and fill out and file the appropriate forms, your Medicare Part A and Part B effective dates will be the first day of your birth month. (In our example: 09/01)
ARE YOU APPLYING FOR ONLY MEDICARE PART B --- AFTER 65 --- WITH PART A ALREADY?
If this is your situation, you will have 60 days before you need Medicare Part B to begin to fill out and file your paperwork and coordinate your coverage between Medicare and your Employer HR so one ends and the other begins on time.
Example: You know you want to retire on December 31. Your 60-day application window would be October and November to properly fill out and file the appropriate forms.
There is also a 63-day grace period post retirement with loss of your employer group health plan (EGHP) in which you can still apply for your Medicare Part A and B benefits after-the-fact. You’ll likely be faced with the lifetime late enrollment penalty, so it’s best to put a proactive plan in place to avoid having to pay more for Medicare, each and every month, for the rest of your life.
And, if at all possible, you’ll want to avoid any delay in coverage, such as, your health insurance from work ending one day, but a gap between the first day your Medicare will begin --- which means you’ll be buying expensive and costly COBRA coverage to bridge the gap. Or if your HR rep doesn’t terminate your health insurance plan from work on the right date, so you’ll be paying for both your employer plan and your Medicare plan at the same time.
Ok, there’s a lot to deal with, right? I get it.
And as an active adult in WNY, who’s always on the run, you need a smart solution to cut through all the clutter.
If you want some light shed on your situation, your hand held the whole way, and making your move to Medicare simpler, easier, seemingly stress-free and almost effortless, I can do just that. Here's how...
NEARING AGE 65 AND AREN'T SURE WHERE TO START?
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**If you are TURNING 65 IN 4-6 MONTHS, you should be getting ready to enroll and your paperwork prepared to either sign up at 65, or suspend --- you can't do nothing. If you don't have the time or desire to deal with doing any of the dirty work with Medicare yourself, OR, you feel frustrated, confused and kind of clueless about figuring out the fine print with Medicare, you can rely on my free Medicare SmartStart Program and let me take away all your stress of trying to tackle anything on your own. It's how I help people just like you. Weekly availability is limited to the first 10 folks, and maximum 40 per month. Don't delay. Click HERE now to learn more about my nationally recognized program, and how you can put it to work for you --- for free.
**If you are TURNING 65 IN 1-4 MONTHS, you are cutting it close to your Medicare late penalty period. If you have NOT yet filled out and filed your Medicare forms, you are behind and against the clock. It is URGENT we get together as soon as possible so I can do all I can, before it's too late, to help you avoid paying a costly late penalty for life. Click HERE now to immediately schedule an emergency Medicare SmartStart Strategy Session with me...if there are any still available.
HAVE MORE MEDICARE QUESTIONS?
Read the most common questions folks in WNY ask when they aren’t sure how to get started with Medicare. Click HERE to see the complete Medicare SmartStart Answers article archive.
ABOUT THE AUTHOR
Andrew L Hibbard is a prominent name when mentioning Medicare in WNY, but one you may have never heard of. Working behind-the-scenes, he is a best-selling author, expert advisor and successful agency owner. Focused on educating first, Andrew prides himself on being considered “the only advocate in WNY fighting for better and more reliable Medicare resources, free from insurance company conflict of interests.”
To take away the stress of trying to tackle Medicare alone and feeling forced to figure it all out by yourself --- Andrew created the WNY Medicare SmartStart Program; a free, step-by-step plan, that holds you by the hand to sign up and start Medicare smartly. (More than 850+ people have gone through the program and call it “the lazy way to get Medicare done for you without costing you a dime”).
**SPECIAL FREE GIFT** If you want to see how hundreds of WNY'ers each year are doing things different with Medicare, and getting it all done in record time, you can request a special "Medicare SmartStarter Info Kit” at no-cost to you, Andrew will give it to you as his free gift. It will prove, without a doubt, why his Medicare SmartStart Program is widely considered the most popular and preferred way to sign up and get started with Medicare in WNY, Guaranteed! Simply click HERE right now, and everything will be rushed to you right away. It's that easy!