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Turning 65 and Wondering What to do?

Over 10,000 people turn 65 each month and have no idea what to do about Medicare and Social Security. I hope to clarify a few things and clear up some misconceptions.

Medicare will start the 1st of the month you turn 65, unless you were born on the 1st of the month, then your Medicare will start on the 1st of the previous month. If you were born on March 15th, 1955, then your Medicare will start on March 1st of 2020. If you were born on May 1st, 1955 then your Medicare will start on April 1st, 2020.

There are three was to enroll in Medicare:

  1. Sign up online at (This is my recommendation)

  2. Call Social Security at 800-772-1213

  3. Go to your local Social Security office and enroll three months before you turn 65.

You will need to decide if you want to enroll in Part A and Part B and if you wish to enroll and draw Social Security as well.

If you are going to continue to work and keep your plan at work, you will only have to enroll in Part A. This will save you money as you will not to pay your Part B monthly premium, for most people this will be $144.60 per month. Part A does not cost anything if you have worked 40 quarters in your lifetime.

If you wish to push off your Social Security until you get your full benefits, you will opt to enroll in Medicare only.

If you have any questions, please feel free to reach out to us and let us make sure you are in the best situation you can be in.

Do something nice for someone just because.

All the best,

Randall Lawson

The Hgo Group


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