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Will I Automatically Be Enrolled In Medicare When
I Turn 65 Living In WNY?
By Andrew L Hibbard @WNYMrMedicare
Originally Posted: 17 APR 2023
Updated & Revised:
There are a lot of assumptions the Federal Government makes on behalf of its citizens nearing age 65, but you know what they say about assumptions…
And without proper preparation and planning on your part, these assumptions can have serious implications and negative impact that can last your lifetime.
With the constant and consistent changes to the rules and regulations around Medicare for anyone born after 1954, very few folks are actually automatically enrolled in Medicare at age 65 anymore.
The only situation where this can still be true, is if you are already collecting your Social Security benefit a minimum of 4 months prior to turning 65. More on this later…
In 1983, the National Committee To Preserve Social Security & Medicare came to the obvious conclusion there was a gross mis-management of both the Social Security and Medicare trust funds, and they would become bankrupt soon-than-later.
This concern created a mandatory and mandated extension of the arbitrary and assigned full-retirement age past the previous 65 to a sliding scale based on birth year.
Here is a quick-reference look at what your Federally approved, assigned and arbitrary retirement age is:
Born before 1943 >>> full-retirement to collect Social Security is at age 65
Born 1943 – 1954 >>> full-retirement to collect Social Security is at age 66
Born in 1955 >>> full-retirement to collect Social Security is at age 66+2
Born in 1956 >>> full-retirement to collect Social Security is at age 66+4
Born in 1957 >>> full-retirement to collect Social Security is at age 66+6
Born in 1958 >>> full-retirement to collect Social Security is at age 66+8
Born in 1959 >>> full-retirement to collect Social Security is at age 66+10
Born in 1960 >>> full-retirement to collect Social Security is at age 67
Born after 1960 >>> full-retirement to collect Social Security is at age ???
So, for most folks, in most situations and scenarios, nearing age 65, there are two (2) decision to make, one more important than the other.
The first decision, which the majority make, is to willing keep working until their full-retirement age before they decide to retire and collect their Social Security income benefit.
The second decision, which I believe might be the most important decision you will need to make and one that deserves special attention (maybe even more attention than you even think to give it), involves signing up and starting your Medicare benefits at 65, or suspending until after 65 and signing up later in life --- without having to pay a costly late penalty, of course!
Often times, it makes significantly more financial sense to move to Medicare at 65, even if you’ll continue to remain working until later in life and have health insurance options from work.
Why?
Because commercial health insurance coverage is usually more expensive per pay period than Medicare is per month, and gives you arguably worse coverage, with higher copays and costs with less extra bonus benefits. But truth be told, you won’t know for sure until you sit down and share your exact specifics and situation with someone.
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?
**If you are TURNING 65 IN 6-12 MONTHS, my #1 Amazon best-selling guidebook, "Starting Medicare Smartly" will give you a great overview of everything you need to know, before you need to know it. Instead of buying on Amazon for $12.99, click HERE now and let me send you a completely free copy, all at my expense.
**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!
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
Get Started For FREE!
Who Is Andrew Hibbard?
Since 2015, Andrew has helped over 850+ Western New Yorkers through his nationally recognized Medicare SmartStart Program, taking away all the stress from folks trying to tackle Medicare on their own. His impressive record of success has been gotten Andrew featured in Forever Young Magazine and the BEE Group Newspapers, exclusive interviews on WECK Radio's Senior Matter's Program, and author an #1 Amazon best-selling guidebook on the subject, "Starting Medicare Smartly," revealing how the rules specifically and significantly differ for NY residents versus other states.
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