Request Your Free Consultation

Our agents' expertise is always free, whether or not you decide to enroll in a plan.


Medicare is a health insurance program from the federal government administered by CMS (Centers for Medicare and Medicaid Services).  Medicare is generally available to anyone 65 or older and to those under 65 with certain disabilities.

You may choose to get coverage two ways:

Original Medicare


Part C – Medicare
Advantage Plan
(HMO or PPO)

Part A Hospital Insurance
Part B Medical Insurance
Part D Prescription Drug Coverage
Medicare Supplement Insurance


Enrolling in Medicare

  • In most cases, Medicare Parts A and B begin the 1st day of the month in which you turn age 65.
  • If you are already receiving Social Security benefits, you will not need to enroll. You will automatically receive your Medicare card approximately 3 ½ months before the effective date.
  • If you are not receiving your Social Security benefits, call the Social Security Administration (SSA) at 1-800-772-1213 within 3 months prior to the effective date (the 1st day of the month in which you turn age 65).  You can enroll over the phone, set up an appointment at the SSA office, or enroll online at
  • You do not need to start your Social Security benefits at age 65 to enroll in Medicare.
  • The SSA will bill you quarterly for Part B of Medicare until your Social Security benefits begin. At that point, the SSA will deduct the premium for Part B from your Social Security benefit on a monthly basis.

You can delay Part B if you have group coverage from your or your spouse’s current employer. You will need to enroll in Part B two or three months prior to your retirement, or loss of this group insurance; whichever occurs first.