Turning 65? Here’s What You Need to Know About Medicare

Table of Contents

1. Introduction – Medicare at 65: What you need to know
2. Medicare Enrollment – When and how to sign up
3. Working Past 65? – Employer coverage vs. Medicare
4. Medicare Coverage Breakdown – What Parts A, B, C, and D cover
5. Cost Considerations – Premiums, deductibles, and out-of-pocket expenses
6. Choosing the Right Plan – Medicare Advantage vs. Medigap
7. How Secure Safer Helps – Free guidance for stress-free enrollment
8. Conclusion – Making informed Medicare decisions

Aging into Medicare is a milestone that should bring relief, not stress. Yet, for many, the process feels overwhelming—so many plans, deadlines, and decisions to make. If you’re turning 65 soon, you might be wondering where to start, what your options are, and how to avoid costly mistakes.

The good news? Medicare is designed to provide healthcare security in your retirement years. But with different parts, enrollment rules, and choices to consider, getting it right matters. A little preparation can save you money, ensure you have access to the best doctors, and protect you from unexpected costs.

How Medicare Enrollment Works

Most people become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) is a seven-month window that begins three months before your birthday, includes your birth month, and extends for three months after. Signing up during this period ensures your coverage begins on time.

For some, enrollment happens automatically. If you’re already receiving Social Security or Railroad Retirement benefits, you’ll be automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance). But if you’re not taking Social Security yet or have employer-based health coverage, you may need to enroll manually.

It’s also important to understand that Medicare isn’t free—you may have premiums, deductibles, and out-of-pocket costs. Many people choose to supplement their coverage through Medicare Advantage (Part C), Medicare Supplement (Medigap), or a separate prescription drug plan (Part D).

Feeling lost? Secure Safer Insurance Agency offers free consultations to help you determine exactly what coverage you need and how to enroll on time. Call 646-444-2020 to speak with a licensed expert today.

Working Past 65? What You Need to Know

Many people today continue working beyond 65 and wonder whether they need Medicare if they already have employer-sponsored insurance. The answer depends on the size of your employer:

• If your employer has 20 or more employees, you can delay Medicare without penalties, as your employer coverage is considered primary. However, enrolling in Part A may still be beneficial, as it’s usually premium-free.
• If your employer has fewer than 20 employees, Medicare becomes your primary coverage, and you need to enroll to avoid gaps and late penalties.

It’s essential to check with your HR department to confirm how your insurance coordinates with Medicare. Some employer plans require you to enroll in Part B once you turn 65. Learn more about how Medicare coordinates with employer coverage.

Need help comparing your employer coverage to Medicare? Secure Safer Insurance Agency can review your options and help you make an informed decision—for free.

Medicare Coverage: What’s Included?

Medicare is a comprehensive program, but it doesn’t cover everything. Here’s what each part provides:

• Part A covers hospital stays, skilled nursing, hospice care, and some home health services.
• Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
• Part C (Medicare Advantage) combines Part A and B benefits, often with added dental, vision, and hearing coverage.
• Part D covers prescription drugs but must be purchased separately unless included in a Medicare Advantage plan.

Original Medicare (Parts A & B) has no cap on out-of-pocket spending, which is why many people choose Medicare Supplement (Medigap) plans or Medicare Advantage plans to limit their costs.

Wondering which plan is best for you? Our licensed agents at Secure Safer Insurance Agency can compare different plans and ensure you get the best coverage for your needs.

Why Choose Secure Safer Insurance Agency?

Medicare is one of the most important decisions you’ll make for your health and finances—but you don’t have to do it alone. Secure Safer Insurance Agency offers personalized, expert Medicare guidance to help you understand your options, avoid costly mistakes, and ensure you have the coverage that fits your life.

Here’s how we help you for FREE:

• Explain Medicare Parts A, B, C, and D in a way that’s easy to understand.
• Compare plans based on your health needs and budget.
• Ensure you enroll on time to avoid late penalties.
• Assist with paperwork and plan selection, making the process seamless.

We make Medicare simple so you can focus on enjoying retirement, not stressing over healthcare.

📞 Call us today at 646-444-2020 to schedule your FREE Medicare consultation.

🌐 Visit Secure Safer Insurance Agency to learn how we make Medicare stress-free for you.Let us take care of Medicare so you can focus on what matters most.