Medicare Enrollment - Timing

How to Correctly Plan Your Enrollment

Most people getting close to retirement know that Medicare coverage starts when you turn 65.  But that’s not the whole story. If you want to enroll in Medicare without hassles and costly penalties, you need to know exactly when to sign up for the program you want. There are different enrollment periods, so it’s trickier than you might think.’s trickier than you might think.

Medicare & Health Savings Accounts

A health savings account (HSA) is an account that someone with a high deductible health plan (meaning your deductible is at least $1,200 a year for an individual or $2,400 for a family before your insurance benefits kick in) has that they can contribute to on a tax-free basis.

Low Cost Insulin Alternatives

Medicare Part B covers some diabetes supplies, including:

  • Blood sugar (glucose) test strips
  • Blood sugar testing monitors
  • Insulin
  • Lancet devices and lancets
  • Glucose control solutions  
  • Therapeutic shoes or inserts

Note:  You may need to use specific suppliers for some types of diabetic testing supplies.

If you have VA coverage do you need Medicare?

We often get folks asking us this question. And the answer is yes.  With coverage through the Veterans Administration you should also enroll in Medicare Part B and you might also want to consider adding a supplement plan. 


Looking for a new Doctor?

5 Things to Consider When Searching for a New Primary Care Physician. (PCP)

1. Ask Around

When and How to Enroll in Medicare

It's always best to start early because the rules and deadlines for Medicare enrollment can be confusing. Here's what you need to know...
Firstly, Medicare has two parts: Part A, which is your hospital coverage and has no monthly premium for most people, and Part B which is your Medical coverage (doctor's visits and other medical services).  Part B costs $104.90 per month for most enrollees in 2015.

Medicare Supplement Plan G vs. Plan F

Want to change plans now?

You don't have to wait!Yay!  No more Waiting!!  Change today!

Medicare has a new way for you to get the coverage you want instead of having to wait for this year’s Open Enrollment in October!

Will Medicare Pay for Protective Underwear?

Urinary incontinence is problematic for many seniors and unfortunately the answer is no, Medicare will not pay for disposable absorbent products (adult diapers) except while you are in the hospital or in a skilled nursing facility or if you have a home health nurse. There are other incontinence supplies which are covered such as catheters, but disposable absorbent products are largely, if not entirely, the financial responsibility of the individual. 

You might have to pay back some of those Obamacare Tax Credits.

Folks who received tax credits for a health plan through in 2014 should be receiving a Form 1095-A in the mail within the next few weeks.  This form will indicate the amount of tax credits you have received in 2014 and you will need to report this amount on your taxes.  Make sure that the information on the form is accurate.  If it is incorrect you can call the Healthcare Marketplace at 1-800-318-2596 to request a corrected form.