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Retirement Guide to Medicare  


Looking at retiring this year? It is a huge decision, and often comes with weighing advantages and disadvantages. For many, a big factor is Health Insurance. Whether you are retiring and will be Medicare eligible, or going to need individual insurance, VibrantUSA can help! 

 Retiring Before 65 

You can start collecting Social Security Income at 62 and can purchase individual health insurance through the Washington HeathPlanFinder until you turn 65.  

Retiring at 65 

When retiring at 65, you have a 7-month window around your 65th birthday called the Initial Coverage Election Period (ICEP) to enroll into Medicare.  

Turning 65, and still working? Spouse still working with creditable coverage. 

Are you turning 65 but you and/or your spouse want to continue working? You can defer your Medicare until you are ready to retire as long as you are covered by a creditable employer plan through you or your spouse. If on an HSA, there may be tax concerns that need to be discussed. Did you know some people choose to just get Part A and defer Part B until retirement? Chat with one of our agents to see if this is a good option for you.  

Still working past 65, and wondering how to enroll into Medicare?  

Over the age of 65 and getting ready to retire? You have a 60-day Special Enrollment Period to enroll into Medicare. There are forms that need to be completed and our agents can point you in the right direction. 

Choosing when to collect Social Security Income   

Have an HSA? This may determine when you want to start collecting SSI.  

Optional Coverage  

Once you have Medicare Parts A and B, don’t forget there are additional options for insurance coverage to go along with your Original Medicare. These plans can offer extra benefits, like gym memberships, hearing, vision, dental, etc. Contact a VibrantUSA agent to learn more about the options you have available to you.  


 Getting ready to retire should be filled with plans for travel, hobbies, and spending more time with family! Let VibrantUSA be your insurance guide and simplify the process! Call us at 866-733-5111, visit our website, or drop by an office for support.  

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