Turning 65? Great News!
Choosing A Medicare Plan No Longer Has to be Confusing.
Turning 65 isn't as smooth as blowing out candles.
Medicare enrollment can be confusing, but it doesn’t have to be.
The right timing for your Medicare enrollment depends on your individual circumstances. Our goal is to help you navigate the enrollment process to ensure you’re covered and protected when it matters most, while avoiding common mistakes like late enrollment penalties or unnecessary early sign-ups.
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When Should I Sign Up for Medicare?
The timing of your Medicare enrollment largely depends on your and your spouse’s employment status and the type of coverage you currently have. Below are key factors to consider to ensure you’re making an informed decision.
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Yes, you can have both. However, the size of your employer determines how Medicare interacts with your current insurance.
Companies with fewer than 20 employees: You must enroll in Medicare at 65. Employer insurance will become the secondary payer once you're Medicare-eligible.
Companies with 20 or more employees: You can delay enrolling in Medicare without penalties, as your employer insurance is considered creditable coverage. You’ll be eligible for a Special Enrollment Period (SEP) when you're ready to transition.
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If you’re on COBRA, you must enroll in Medicare at age 65. COBRA is temporary and not considered creditable coverage. Failing to sign up at 65 could result in lifelong penalties and delays in Medicare enrollment.
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TRICARE shifts to secondary coverage once you turn 65 and enroll in Medicare. This also applies to eligible military family members, so it’s essential to enroll in Medicare on time.
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If you have insurance through the Affordable Care Act (ACA), transitioning to Medicare at 65 is important because ACA tax credits and subsidies end once you qualify for Medicare. Continuing with ACA coverage would mean paying full premiums without subsidies.
Medicare Enrollment Periods
Knowing the various enrollment periods is critical to avoiding penalties and securing the best coverage.
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This is your first opportunity to enroll in Medicare. The IEP lasts for seven months, starting three months before and ending three months after your 65th birthday. Enrolling during this period allows you to avoid penalties and ensures access to Medicare Part B and Supplemental plans without medical underwriting.
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You may qualify for a SEP if you delay Medicare due to having creditable coverage through your employer or if you lose coverage. Other qualifying events include moving out of your Medicare Advantage service area. Depending on the event, SEP lasts from two to eight months.
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If you missed your IEP and don’t qualify for SEP, the GEP (January 1 to March 31) is your next chance to enroll. However, enrolling during GEP may result in penalties, especially on your Medicare Part B premiums.
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Each year from October 15 to December 7, the AEP allows you to switch Medicare Advantage or Prescription Drug plans. Any changes you make will take effect on January 1 of the following year.
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Similar to the AEP, the Medicare Advantage OEP runs from January 1 to March 31, allowing individuals enrolled in a Medicare Advantage plan to switch to a different plan or return to Original Medicare.
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Learn each basic part of Medicare and how we can help you enroll into Medicare if needed.
Learn the differences between a Medicare Advantage and a Medicare Supplement Insurance Plan.
Learn how prescription drug plans work and how we can help you possible save thousands on medication cost yearly.
Learn how to gain access to additional benefits most Seniors want such as: dental, hearing, vision, and more.
Plus our simple one page checklists to make sure you are doing everything you need to enroll or change your health plan.
The #1 reason Seniors experience stress is trying to navigate the Medicare healthcare system.
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FREQUENTLY ASKED QUESTIONS
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MedicareHub is an Insurance Brokerage that specializes in Medicare health plans. We provide completely free educational services and resources that help people find the best Medicare plan. We are contracted with insurance companies that pay us when we help enroll our clients into the correct insurance plans that meet their individual needs.
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No. We have an agnostic approach to enrolling you into a plan. Our agents are employed agents and aren’t paid more based on enrolling someone into a specific plan.
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Most sites that market Medicare are often large call centers with hundreds of Agents that are new to Medicare. We aren’t a call center with hundreds of agents. We are an Independent Brokerage that assigns you an agent. They’re assigned to you for life and their personal assistant liaison is there to provide you ongoing customer support for a lifetime. We serve you in all that we do!
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No. We are an Independent Insurance Brokerage that is contracted with multiple insurance carriers that specialize in Medicare health plans. We market these plans in multiple states. We collect information from each of our clients based on their plan needs and find the plan that best fits each client's needs.
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Yes. We have an active insurance license to market health insurance plans in our home state and multiple non resident states. In addition, we certify annually to market and enroll Medicare beneficiaries into any Medicare Advantage and Prescription Drug plan carriers.
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How does MedicareHub make money?
Are MedicareHub Team Members incentivized to push certain plans over others?
How are we different from other Medicare sites?
Is MedicareHub affiliated with any insurance companies?
Is MedicareHub licensed?
Is it more expensive to buy insurance through MedicareHub?
No. Our services to you are at no cost and the insurance company plans are the same price regardless of the agent or agency you choose to work with to help enroll you. You don’t get a discount or better cost for working with anyone else when enrolling into a plan of your choice. Costs are regulated by the federal government or state laws to ensure your protection.
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No. The plans are either standardized by state or federal laws or rates have been approved yearly by CMS and the fixed copays, coinsurance, and benefits are reflected by the summary of benefits for certain plans you may choose. You will pay your part B premium unless you qualify for Medicaid within your state and qualify for assistance to pay or reduce your Medicare part B cost.
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