Turning 65? Now is your time to join a Montana Medicare plan!

You become eligible for Medicare 3 months before your 65th birthday, and you only have a short period of time to enroll in a Medicare plan before it’s too late. 
Our experienced Medicare advisors have been helping Floridians find and enroll in the right Medicare plan for years. And we’re here to help you!

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What To Expect When You Enroll In Medicare For The First Time

Seniors are often surprised to learn that most people do not automatically get Medicare when they turn 65.
Age 65 is not the official retirement age, you won’t hit that milestone for another year or two. This means that unless you are receiving Social Security retirement benefits or Railroad Retirement benefits before the official retirement age, you won’t be enrolled in Medicare automatically. You won’t even receive enrollment information mailed to you from Medicare!

To sign up for Medicare, you will either need to apply for Medicare online by creating a my Social Security account, call Social Security, or visit your local Social Security office.

Of course, this is just the basic steps to get Medicare Part A and Part B. You’ve got more options than that – like Part C (Medicare Advantage), Part D, and Medigap plans – and it’s important to weigh your options during your initial enrollment window.

You’d hate to lose your opportunity to choose the right plan and have to wait until the following Medicare Annual Enrollment Period.

What’s even worse? You could face penalties if you wait too long!

That’s what Plan Advisors Hawaii is here for! We can show you how to apply for Medicare, help you understand all of your Medicare options, and set you up with the right plan.

Our Team Is Here For You

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Make Sure You Know The Answers To These Questions Before You Turn 65

Do I have to have Medicare when I turn 65?

Officially, the Medicare age is 65. Yet, many soon to be 65-year-olds are frustrated by the question of whether it is mandatory to sign up for Medicare at age 65 or not. Why? Because it’s complicated! Your retirement status, the size of your company if you’re turning 65 and still working, and more can all impact whether you have to have Medicare when you turn 65. 

We recommend meeting with a knowledgeable Medicare advisor to better understand your options. The last thing you want is to incur a life-long penalty because you didn’t sign-up for Medicare during your initial enrollment period.

When you turn 65 when does Medicare start?

If you qualify for premium-free Part A then the month you’re turning 65 benefits will begin.

Your Medicare Part B and premium-Part A coverage start date is impacted by when you sign-up for Medicare.

You are actually eligible to enroll up to 3 months before you turn 65. If you apply for Medicare at any point during the 3 months leading up to your 65th birthday, then your coverage will start the month you turn 65.

If you wait until the month that you’re turning age 65 then your coverage will start the next month. If you sign up 1 month after you turn 65 then your coverage begins 2 months later. And if you sign up 2 or 3 months after you turn 65 then coverage starts 3 months after you sign up.

Will my disability benefits change when I turn 65?

Concerned about what happens when someone with Social Security disability benefits reaches age 65? Well, it all depends!

If you are currently receiving Social Security Disability Insurance (SSDI), then when you reach full retirement age your benefits will switch over to Social Security retirement benefits. 

The key thing to remember is that the full retirement age is not 65 anymore. These days, most people qualify for full retirement at age 66 or 67. 

No matter when you age into retirement, you don’t need to worry. Your benefits will automatically switch over and the amount of your benefits check is not likely to change.

Start Your Enrollment Process By 
Comparing Montana Medicare Plans

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