Most Genuine Senior Insurance Consultant.
Servicing St Charles County, and surrounding areas.

• Will I get Part A and Part B automatically
• If you’re already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll automatically get Part A and Part B starting the first day of the month you turn 65. (If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.)
• If you’re close to 65, but NOT getting Social Security or Railroad Retirement Board (RRB) benefits, you’ll need to enroll in Medicare. Visit socialsecurity.gov/benefits/Medicare or call 1-800-MEDICARE (1-800-633-4227) to apply for Part A and Part B. You can also contact Social Security 3 months before you turn 65 months before you turn 65 to set up an appointment. If you worked for a railroad, contact the RRB.
• If you’re under 65 and have a disability, you’ll automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.
• If you have ALS (amyotrophic lateral sclerosis, also called Lou Gehrig’s disease), you’ll get Part A and Part B automatically the month your Social Security disability benefits begin.
• If you have End-Stage Renal Disease (ESRD) and you want Medicare, you’ll need to enroll. Contact Social Security to find out when and how to enroll in Part A and Part B. For more information, visit Medicare.gov/publications to view the booklet, “Medicare Coverage of Kidney Dialysis & Kidney Transplant Services.”

You can first sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

There are several other enrollment periods for Medicare.

October 1, 2025

• Start comparing your current coverage with other options. You may be able to save money or get extra benefits.

October 15 to December 7, 2025,  AEP

Annual Enrollment Period

• Change your Medicare health or drug coverage for 2025, if you decide to. You can join, switch or leave a Medicare Advantage Plan or a Medicare drug plan during this Open Enrollment Period each year.

January 1, 2026

• New coverage begins if you made a change. If you kept your existing coverage and your plan’s costs or benefits changed, those changes also start on this date.

January 1 to March 31, 2026,  OEP

Open Enrollment Period

• If you’re in a Medicare Advantage Plan, you can change to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. Any changes you make will be effective the first of the month after the plan gets your request. 

Special Enrollment Period (SEP)

• After your Initial Enrollment Period is over, you may have a chance to enroll in Medicare during a Special Enrollment Period. If you didn’t sign up for Part B (or Part A if you must buy it) when you were first eligible because you have group health plan coverage based on current employment (your own, a spouses, or a family member’s—if you have a disability), you can enroll in Part A and/or Part B:
• Anytime you’re still covered by the group health plan.
• Enroll in Essence

Medicare Advantage, also known as "Part C", is a type of Medicare plan offered by private insurance companies approved by Medicare approved Part A and Part B coverage, as well as other benefits such as dental, vision, and hearing. This plan is an "all-in-one" alternative to Original Medicare.

When you have both Medicare and employer coverage, the size of your employer will determine how your Medicare benefits will coordinate with your employer coverage. If you become eligible for Medicare at age 65 while working for an employer with 20 or more employees, your group plan will be primary, and Medicare will be secondary.

In this scenario, most beneficiaries choose to sign up for Medicare Part A because it is premium-free for those who pay Medicare tax for sufficient quarters. Additionally, if you are currently collecting Social Security Income, you will automatically enroll in Medicare Part A. After 24 months, you cannot collect Social Security Income (SSI) benefits without signing up for Medicare Part A.

If you require care at a hospital, your Medicare Part A benefits will lower your costs. For example, imagine your employer’s group insurance has a $4,000 hospital deductible. In this case it makes sense to enroll in Medicare Part A for a lower deductible.

For your outpatient and prescription drug coverage, a group health plan from an employer with 20 or more employees is creditable coverage. Coverage creditable for Medicare safeguards you from paying late enrollment penalties for Medicare Part B and Part D when you enroll in the future.