As you near retirement age, several things will change in your life. Among those significant life changes will be your health insurance coverage. This is the time to begin searching for a Medicare agent near Oceanside, CA. Before you discuss your coverage needs with an agent, take the time to learn about the qualifications and the process of signing up for this type of healthcare protection.
1) Know When to Sign Up
Like any type of health insurance, there’s a specific window for enrollment. When it comes to signing up for Medicare, you have six months to submit your application for coverage. This window begins three months before your 65th birthday and ends three months after your birthday. It’s usually better to sign up as soon as you’re eligible since it can take time for your coverage to begin.
2) Missing Your Window Won’t Leave You Without Coverage
If you miss that initial enrollment window, you can still sign up for Medicare. Every year, there’s a general enrollment window that starts on January 1 and ends on March 31. Your coverage will start one month after you submit your application. When signing up late, keep in mind that you may face late enrollment fees for the period during which you did not have coverage.
3) You Don’t Have to Sign Up for Every Part
There are multiple parts to Medicare, but signing up for Social Security automatically enrolls you in Parts A and B. You’ll have to sign up on time for Part D (prescription drug coverage) to avoid penalties. When you search for a Medicare agent near Oceanside, CA, ask them about signing up for the bundle (Parts A, B, and D), which is commonly known as Part C.
Learn more about getting Medicare by visiting Serra Benefits & Insurance Services.
