Common Insurance Services Agency

Timing, as they say, is everything. It’sespecially important when it comes to enrolling in Medicare. As you approach 65, you’ll want to enroll during what the government calls your initial enrollment period (IEP). This seven-month period goes from three months before the month in which you turn65 until three months after.

If you don’t sign up during your IEP, you will get another chance to enroll during Medicare’s annual general enrollment period, from Jan. 1 through March 31 of each year. However, if you enroll at that time, your coverage won’t begin until July. And, because you enrolled late, your monthly premiums for Medicare Part B —which covers your doctor visits and other outpatient services —will likely cost you more.

If you are 65 or older, when you stop working and lose your health insurance coverage or when the insurance you have through your spouse ends, you’ll need to sign up for Medicare. Medicare has created a special enrollment period (SEP) that lets you do that without facing a late enrollment penalty.

Again, timing is everything. What many people don’t realize is that you can only use this SEP either while you are covered by job-based insurance or for eight months after you no longer have job-based insurance.

Call us today for a FREE Consultation and we go over new plan benefits with you in person or remotely!

Some frequently asked questions that seniors our office are:
1) I have Medi-Cal, what options are available to me?
2) How do I get $125.00 back to my Social Security?
3) Does my current health plan have the best benefits?

Let us check for you for NO OBLIGATION. Call us at
714-418-9558
Email or DM
[email protected]