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What are the most frequently asked questions?

When should I enroll in Medicare?

Generally, your Initial Enrollment Period lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.


*My birthday is on the first of the month.

Your 7-month period starts earlier. It starts 4 months before you turn 65 and ends 2 months after the month you turn 65. Generally, your Medicare coverage starts the first day of the month before you turn 65. Example:

Your birthday is June 1st. When you turn 65, your Initial Enrollment Period is February-August. If you sign up in February, March, or April, your coverage starts May 1st.

Do I have to enroll in Medicare at 65?

If you have coverage through an employer or a spouse's employer and the company has more than 20 employees, then you do not have to enroll in Medicare until you, OR your spouse, retire, with no penalty.

When the time comes, how do I enroll in Medicare?

  • The easiest one is the first, just enroll via You just go online and follow the prompts.

  • The second easiest way would be to call your local Social Security office,877-626-9909.

  • The third way is to visit your local Social Security office.

*I will be more than happy to do this for you if you would rather not bother with it. It takes all of ten minutes for me to do this for you.


Will Medicare cover the same things that my work insurance covers?

Some of the items and services Medicare doesn't cover include:

  • Long-Term Care (also called custodial care )

  • Most dental care

  • Eye exams (for prescription glasses)

  • Dentures

  • Cosmetic surgery

  • Massage therapy

  • Routine physical exams

  • Hearing aids and exams for fitting them

  • Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care)

  • Covered items or services you get from an opt-out doctor or other provider (except in the case of an emergency or urgent need)

What is the full retirement age?

It depends on the year you were born and goes as follows:

Full retirement age if you were born in:

1943-1954  is 66yrs. old 

1955 is 66 and 2 months 

1956 is 66 and 4 months 

1957 is 66 and 6 months 

1958 is 66 and 8 months 

1959 is 66 and 10 months 

1960 and later is 67 yrs. old.

NOTE: People born on January 1st of any year, refer to the previous year.


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