The Health Agents

Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage.

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There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually:

• Begins 3 months before the month you turn 65

• Includes the month you turn 65

• Ends 3 months after the month you turn 65

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If you don’t enroll when you’re first eligible, you may have to pay a Part B late enrollment penalty, and you may have a gap in coverage if you decide you want Part B later.

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We can help you understand Medicare and simplify the process making it easy to choose a plan and enroll.