Your Medicare journey starts here


iStock-854451176_super (1280x853).jpg

I am almost 65 and still working.

If you fall into this category, you need to find out...

  • if your employer will still cover you after you turn 65.
  • the exact window of time you have to apply during, once you stop working.
  • if you should delay every type of Medicare until you retire.


iStock-831688216_super (1280x854).jpg

I am almost 65 and retired. 

If you fall into this category, and you are married, you should first determine if your spouse can cover you through their work plan. 

If you are not married, or your spouse cannot cover you, you need to find out...

  • which kind of general coverage is best for you (out of the two basic packages).
  • which type additional coverage you need to cover the cost of your medications.
  • which services are covered by Medicare.


iStock-908293834_super (1280x854).jpg

I have a different situation.

Although most people fall into the first two categories, there are many situations that are more complicated. Some of the more common ones include:

  • Are you or were you in the military?
  • Were you on disability?
  • Were you in the Federal government?
  • Are you in prison? 
  • Do you live overseas?
  • Do you receive state assistance?
  • Are you not an American citizen?