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Senior FAQs

Below are some of the most frequently asked questions.  If you have any other questions, or would like to schedule an appointment, we would love to hear from you.

Click on a question below to see the answer.


If you are then you will automatically receive your red, white and blue Medicare card showing effective dates the first day of your birthday month.  If you are under 65 and disabled receiving disability payments from Social Security,  you will automatically receive your red, white and blue Medicare card after 24 months.  Otherwise,  you may have to sign up 3 months before you turn 65 through your local social security office  or online at ssa.gov. 


If your answer is Yes, then you can delay to receive Part B even if you turn 65 if you are still covered through yours or spouse’s current  Employer’s Group Insurance. 


There is a Special Enrollment Period that you can sign up or change your coverage at certain times of the year if you have a Qualifying Life Event. You may be able to get extra help with your Medicare costs if you meet the low income level. 


 If you didn’t sign up for Medicare Part A,  Part B, and Part D when you’re first eligible, you may have to pay a penalty:

  • In most cases, someone turning 65 is eligible to sign up for a Premium Free Part A.  But if you have to buy Part A and you didn’t buy it when you’re first eligible for Medicare, you may have to pay a late enrollment penalty and your monthly premium may go up 10%..
  • Your Part B monthly premium may go up 10% if you could’ve had Part B but did not sign up and you will pay the penalty for as long as you have Part B. If you didn’t sign up during initial enrollment period, you can only sign up for Part B during the general enrollment period and this could cause a gap in your coverage.
  • You may have to pay a late enrollment penalty for Part D if you go without prescription drug plan or creditable drug coverage for more than 63 continuous days. The penalty is 1% of the national base premium ($32.74 in 2020; $33.06 in 2021) and this premium may change each year so your monthly penalty premium may also change each year.

If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage and you might have to pay a higher premium for late enrollment.

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By submitting this information you acknowledge a licensed insurance agent may contact you by phone, email or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans.

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