Medicare & Turning 65

New To Medicare

Your 65th birthday marks a special occasion – you are now eligible to apply for Medicare! There are several things you should do to prepare for this event. And, it’s best to do them at least three months in advance of your 65th birthday:

If you are currently employed or receiving health benefits from a previous employer or other group, check with them to find out what their policy is regarding employees/retirees and their families once you turn 65. Many employers and other group plans discontinue health insurance once you are eligible for Medicare.

If you have been working, you are probably already enrolled in Part A (hospital insurance). However, unless you are already receiving Social Security benefits, you will need to enroll in Part B (medical insurance). To do this simply call your Social Security office. For additional information on Part A and Part B, please review Medicare Basics.

Attend a seminar to learn all you can about the different types of Medicare insurance plans available to you. Seminars are often put on by insurance companies or independent insurance agencies. You will receive more unbiased information if the seminar is conducted by an independent agency such as VibrantUSA. To see if we are holding a seminar in your area, please review Seminars.

Prepare a list of your physicians. Not all physicians accept all insurance plans. You will want to find a plan that your doctors will take.

Prepare a list of your prescription drugs. Medicare prescription drug plans (Part D) vary greatly in the drugs they cover and the price they charge. VibrantUSA can help you determine a plan that works best for you.

Take into consideration traveling you plan to do. Some insurance plans will not allow you to be out of the service area for more than a specified amount of time. Some provide better coverage while traveling than others.

Your mail box will likely be full of multiple offers for various types of health insurance. This is where VibrantUSA comes to the rescue. We represent most of the insurance plans available in Washington. We can help you compare plans and come up with the one that is best for you and there is no charge for our service. Our goal is to make sure you have coverage that is best for you.

Turning 65 can be a good thing with a little planning and a VibrantUSA Medicare Insurance Specialist at your side.

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