Many people your age are wondering when they should enroll in Medicare. Here at Health Plans of America, we are here to provide you with the information you need to make the best choices.
The first thing to note, the best time to enroll is around your 65th birthday, but give yourself plenty of time before then to enroll so your Medicare coverage kicks in by the time you turn 65. We suggest enrolling approximately three months before your birthday, so if you enroll between January through March, April is when your coverage will be effective.
It may seem like a nuisance to be particular about these dates, but it’s more important to stay on top of these things than to delay your coverage altogether. If you skip your initial enrollment period, you may find yourself waiting months longer to get coverage. For example, if you decide in April to enroll in Medicare, you could potentially be waiting up to 14 months for your coverage to take effect. Sometimes you even have to pay a penalty if you delay your enrollment.
If, on the other hand, you are still working after age 65 and receiving coverage from your employer’s plan, delaying enrollment in Medicare might be the right choice for you.
Have more questions and want to talk to a licensed insurance professional? That’s where Health Plans of America comes in. They do all the hard work for you by offering information and resources to help you make informed decisions. Connect with a licensed Medicare specialist in your area today.