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Here is a digital copy of the  "Medicare & You" booklet-both from the 2024 booklet. You should receive this, in print, every year. This is the book the government publishes to give you an idea as to what to expect when you go on Medicare.  Just click the picture & it will open. 

Medicare Booklet

You can apply for Social Security benefits in most circumstances at age 62 but will pay a penalty in lower amounts the earlier you do apply. Social Security is slowly increasing the retirement age.

Phased Retirement Graph  


Unless you have been on Social Security for two years, you will become Medicare Eligible at age 65. If you choose to enroll in Medicare at age 65, you can use this link to enroll in Medicare and not have to take Social Security. 

If you are going to continue to be covered under yours or a spouse's health insurance you may just need to enroll in Part A only. This will save you money, Part A is free for someone provided they have worked 10 quarters in the lifetime in a job that has taken out taxes. There are certain things to be aware of, so please give us a call and we will go over everything to ensure you are in the best situation for you.


If you have delayed Part B and are interested in getting Part B started here is the form to do so.  


Medicare determines your Part B premium by using your income from two years prior. Most people do not have to pay anything extra, but if your income is above a certain amount then you will have to address Aunt IRMAA. This is the additional amount Medicare charges ontop of Part B and an additional charge on Part D as well. Please see the chart below to see what your premium will be. 

*If you click the image, below,  it will take you to the CMS page that breaks down the thresholds.*

IRMAA-2024 graph


Should you have a drastic change in your income, i.e. retirement or loss of income, you can file an appeal to see if they will reduce or waive your IRMAA. Here is the form to appeal their decision.  Just click to open.


If you have any questions, please feel free to contact us!


Speak with a licensed Insurance agent at  (800) 489-2633 | Mon - Fri: 9am - 6pm, Sat: 10am - 12pm ET

This website is operated by The HgO Group, a licensed health insurance agency, and its agents. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. The HgO Group is not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies, in order to help you find the best policy for you

© 2023 The HgO Group

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