Paid Advertisement Ask the Medicare Specialist by: Aaron Zolbrod Welcome to Part 1 of my latest column series, "New to Medicare." Today and the next eight weeks will be dedicated to guiding those who will soon be going on Medicare Parts, A. B. or both, through the process of initially enrolling in Original Medicare, making the choice between a Supplement or Advantage Plan, what needs to be done after one's initial enrollment, and everything in between. QUESTION: When do I need to start thinking about Medicare and my plan options? What steps need to be taken to enroll? When does Medicare Part A and B go into effect? ANSWER: Welcome to Part i of my latest column series, "New to Medicare." Today and the next eight weeks will be dedicated to guiding those who will soon be going on Medicare Parts, A, B, or both, through the process of initially enrolling in Original Medicare, making the choice between a Supplement or Advantage Plan, what needs to be done after one's initial enrollment, and everything in between. Question: When do I need to start thinking about Medicare and my plan options? What steps process start to envelope about half the size of a sheet of printer paper. To use the prior example, anyone born in November 1866 and already collecting Social Security should expect their card mid-July. Those who are going to postpone collecting Social Security until a date after their 6sth birthday do have to physically apply for Medicare. The easiest way to is at Soefore the those with higher deductibles and MOOP. Once omeone who has opted out knoas when they want Part B to go into effect, they can apply up to 90 days prior, but all effective dates must be the Ist of a month, no other day I oten hear people who are this demographic say they were told they can only apply for Part B in Januars February, or March for an effective date of July Ist. That's not true. Only those who are going to be assessed a Part Blate enrollment penalty have this restriction. Again, anyone who is getting health insurance as an acti employee or is a spouse of an active emplowee can enroll in Bany time during the an effective date of any Widh abey so choose. However. in do t Social Security's n can be completed. e account must be t it's a pretty simple You can need to be taken to enroll? When also apply for Medicare over the phone or in person at your local Social Security office, although currently local theyre not open an does Medicare Part A and B go into effect? Answer: Although you can't enroll in Original Medicare until three months prior to your desired effective date, I'd say about a year in advance is a good time to start actually for face-to-face meetings. year with As I just mentioned, there's one exception where people can qualify for Medicare prior to turning 65. Those who are awarded Social Security/ Disability due to injury or illness generally receive Medicare 24 months after getting first Disability check nks also don't have to do for Employment Information" form must be out by a thinking the employer that states the dates the Medicare beneficiary was insured and that currently active or what date it ended. The completed form then needs to be submitted to Social Security Unfortunately, due to local offices being elosed for in person transactions, the process of getting it to a representative is a bit more time co ck pefully they will about and some initial research, ai ou can take out all the confusion and save time by using my agency's no cost services Over the 13 years The Health Insurance Store has been in business, we've developed a very to understand it is any paperwork or applications will automatically receive their card in the mail explainine Mond approach to approximately 100 days before Parts A and B become effective. Medicare and one's brokers ablenies. provide plans from virtually every competitive Supplement. Advantage, and Part D company on the market, which ensures unbiased advice. There are three scenarios regarding enrolling in Medicare Parts A and/or B for the first time. The most common and one people are familiar with is turning 65, which with only one exception is when one first Ws in plans and to The last group are those who are over age 65 and can get health insurance through their own or a spouse's employer. I estimate 80% or more wbo do are best to opt out of Part B which can be done without incurring enrollment penalty. I will get into much more detail regarding this topic next week. It can be very confusing who should or shouldn't o Part B. up soon, but unt then, I suggist starting the process of acquiring Part Bas close to 90 days prior to one's desired effective date as possible. Our staff can provide the necessary forms and also walk you through the process upon request. Like consultations, we don't charge any fees for this service and guidance. Please look for coples of each open t opt out of Medicare who could be accessed a penalty for a late enrollment both Parts Band D, who is Thove in ible for Medicare Medieans eltegory can get a care effective date the first day of the month they turn 65. For example on November 24th, 1966, your Medicare becomes in exempt from penalties, and v will be forced to pay a higher monthly Part B premium than the $14.30 standard rate. website within a few days of them appearing in the paper You can also access the podcast and webcast versions there as well approximately one week from publication. And don't forget to listen in to my radio show, Medicare A to 2, on WMBS Uniontown each first and third Monday of the month from 1:15 to 3. You can listen online at wmbs590.com. who if you were born A and Beffective dates Those who opted out of Part Benroll at a later date, either upon retirement or if at some point their insurance at work becomes a lesser value e and a Suppiuately can be as early as November 1st, 2021. Those who are already collecting Social Security to their 65th birthday donor to do anytins E Sorms to than are no :or a ion for lout or applications to bee and blue card with both Parts completed. A red, white. Part B can't be done online for those who already have Part A, which I do recommend everyone take at age any Medicare related questions 65 because it's free and can come A and B will be mailed to you Call one of our office locations or reach out to me directly with about 100 prior to the original Medicare effective dates. It comes from Social Security in an in really handy especially for or to set up an appointiment for a tree consultation. The Health Insurance Store.e 724-603-3403 Email your question to: aaron@getyourbestplan.com Connellsville 412-349-8818 www.getyourbestplan.com Forest Hills No-cost, unbiased Medicare plan review and consultation with local, licensed agents Paid Advertisement Ask the Medicare Specialist by: Aaron Zolbrod Welcome to Part 1 of my latest column series, "New to Medicare." Today and the next eight weeks will be dedicated to guiding those who will soon be going on Medicare Parts, A. B. or both, through the process of initially enrolling in Original Medicare, making the choice between a Supplement or Advantage Plan, what needs to be done after one's initial enrollment, and everything in between. QUESTION: When do I need to start thinking about Medicare and my plan options? What steps need to be taken to enroll? When does Medicare Part A and B go into effect? ANSWER: Welcome to Part i of my latest column series, "New to Medicare." Today and the next eight weeks will be dedicated to guiding those who will soon be going on Medicare Parts, A, B, or both, through the process of initially enrolling in Original Medicare, making the choice between a Supplement or Advantage Plan, what needs to be done after one's initial enrollment, and everything in between. Question: When do I need to start thinking about Medicare and my plan options? What steps process start to envelope about half the size of a sheet of printer paper. To use the prior example, anyone born in November 1866 and already collecting Social Security should expect their card mid-July. Those who are going to postpone collecting Social Security until a date after their 6sth birthday do have to physically apply for Medicare. The easiest way to is at Soefore the those with higher deductibles and MOOP. Once omeone who has opted out knoas when they want Part B to go into effect, they can apply up to 90 days prior, but all effective dates must be the Ist of a month, no other day I oten hear people who are this demographic say they were told they can only apply for Part B in Januars February, or March for an effective date of July Ist. That's not true. Only those who are going to be assessed a Part Blate enrollment penalty have this restriction. Again, anyone who is getting health insurance as an acti employee or is a spouse of an active emplowee can enroll in Bany time during the an effective date of any Widh abey so choose. However. in do t Social Security's n can be completed. e account must be t it's a pretty simple You can need to be taken to enroll? When also apply for Medicare over the phone or in person at your local Social Security office, although currently local theyre not open an does Medicare Part A and B go into effect? Answer: Although you can't enroll in Original Medicare until three months prior to your desired effective date, I'd say about a year in advance is a good time to start actually for face-to-face meetings. year with As I just mentioned, there's one exception where people can qualify for Medicare prior to turning 65. Those who are awarded Social Security/ Disability due to injury or illness generally receive Medicare 24 months after getting first Disability check nks also don't have to do for Employment Information" form must be out by a thinking the employer that states the dates the Medicare beneficiary was insured and that currently active or what date it ended. The completed form then needs to be submitted to Social Security Unfortunately, due to local offices being elosed for in person transactions, the process of getting it to a representative is a bit more time co ck pefully they will about and some initial research, ai ou can take out all the confusion and save time by using my agency's no cost services Over the 13 years The Health Insurance Store has been in business, we've developed a very to understand it is any paperwork or applications will automatically receive their card in the mail explainine Mond approach to approximately 100 days before Parts A and B become effective. Medicare and one's brokers ablenies. provide plans from virtually every competitive Supplement. Advantage, and Part D company on the market, which ensures unbiased advice. There are three scenarios regarding enrolling in Medicare Parts A and/or B for the first time. The most common and one people are familiar with is turning 65, which with only one exception is when one first Ws in plans and to The last group are those who are over age 65 and can get health insurance through their own or a spouse's employer. I estimate 80% or more wbo do are best to opt out of Part B which can be done without incurring enrollment penalty. I will get into much more detail regarding this topic next week. It can be very confusing who should or shouldn't o Part B. up soon, but unt then, I suggist starting the process of acquiring Part Bas close to 90 days prior to one's desired effective date as possible. Our staff can provide the necessary forms and also walk you through the process upon request. Like consultations, we don't charge any fees for this service and guidance. Please look for coples of each open t opt out of Medicare who could be accessed a penalty for a late enrollment both Parts Band D, who is Thove in ible for Medicare Medieans eltegory can get a care effective date the first day of the month they turn 65. For example on November 24th, 1966, your Medicare becomes in exempt from penalties, and v will be forced to pay a higher monthly Part B premium than the $14.30 standard rate. website within a few days of them appearing in the paper You can also access the podcast and webcast versions there as well approximately one week from publication. And don't forget to listen in to my radio show, Medicare A to 2, on WMBS Uniontown each first and third Monday of the month from 1:15 to 3. You can listen online at wmbs590.com. who if you were born A and Beffective dates Those who opted out of Part Benroll at a later date, either upon retirement or if at some point their insurance at work becomes a lesser value e and a Suppiuately can be as early as November 1st, 2021. Those who are already collecting Social Security to their 65th birthday donor to do anytins E Sorms to than are no :or a ion for lout or applications to bee and blue card with both Parts completed. A red, white. Part B can't be done online for those who already have Part A, which I do recommend everyone take at age any Medicare related questions 65 because it's free and can come A and B will be mailed to you Call one of our office locations or reach out to me directly with about 100 prior to the original Medicare effective dates. It comes from Social Security in an in really handy especially for or to set up an appointiment for a tree consultation. The Health Insurance Store.e 724-603-3403 Email your question to: aaron@getyourbestplan.com Connellsville 412-349-8818 www.getyourbestplan.com Forest Hills No-cost, unbiased Medicare plan review and consultation with local, licensed agents