Insurance Enrollment Center

Turning 65 soon and still working?
Here's what most people don't know:
If your employer offers health insurance, you may be able to delay Medicare Part B without penalties as long as you have qualifying employer coverage.
The number of employees at your company can affect whether your employer is required to offer coverage, but if they do have a group plan in place, you're generally protected from late enrollment penalties while you're actively covered.
Where it gets tricky:
⚠️ Not all employer plans count as "qualifying coverage" under Medicare's rules
⚠️ COBRA and retiree coverage do NOT protect you from penalties
⚠️ Once your employer coverage ends, you have a limited Special Enrollment Period to sign up, missing it means penalties and gaps.
Every situation is different. Understanding your options before you turn 65 can save you from unexpected costs and permanent penalties.
Not sure what applies to you? A quick Medicare review can help you make an informed decision.
📞 888-840-3181
🌐 emericinsurance.com

⏰ Turning 65 soon? There's a deadline you need to know about.
Most people assume Medicare enrollment is automatic. It's not and missing your window can cost you.
Here's what happens if you miss your Initial Enrollment Period (IEP):
🔴 Part B penalty: 10% added to your premium for every 12-month period you were eligible but didn't enroll.
🔴 Part D penalty: 1% of the national base premium for every month without drug coverage.
Your IEP is a 7-month window:
→ 3 months before your 65th birthday
→ Your birthday month
→ 3 months after
Miss it and you wait until General Enrollment (January–March) and pay the penalty for life.
If you or someone you know is turning 65 in the next 6 months, now is the time to act.
📞 Call us free: 888-840-3181
🌐 emericinsurance.com

Valentina Gatewood - Medicare Insurance Broker in Long Beach, CA Valentina Gatewood is a California Medicare broker located in Long Beach. Valentina is licensed to sell Medicare insurance in CA, AZ, ID and NJ.