MEDICARE OPTIONS can be complicated and confusing to many seniors. However, we take an approach of educating you and servicing you annually so you are able to better understand all the choice that you have. As a licensed agent, we offer most plans in your county and will take the time to help you figure it out.
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We help you solve the confusion!!!
Call our office (360) 722-7889 |
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HOW TO APPLY FOR MEDICARE
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HOW TO APPLY FOR MEDICARE You are provided with a SPECIAL ENROLLMENT window that allows you to apply for Part B when you turn 65 or leave employer coverage. Choose a method below:
HOW TO SUBMIT FORMS YOU PRINTED:
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Additional Resources WHEN IS PART B activated
What if I’m already getting benefits from Social Security or the Railroad Retirement Board (RRB)? If you’re getting these benefits, in most cases, 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. You’ll get the “Welcome to Medicare” package that welcomes you to the program. This package is mailed about 3 months before your 65th birthday. What if I’m close to 65, but not getting Social Security or Railroad Retirement Board (RRB) benefits? If you aren’t getting Social Security or RRB benefits (for example, because you’re still working) and you want Part A or Part B, you’ll need to sign up (even if you’re eligible to get free Part A). If you’re not eligible for free Part A, you can buy Part A and Part B. |
Medicare Enrollment Periods
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ANNUAL ENROLLMENT 
Annual Enrollment Period
The Medicare Annual Enrollment Period (AEP), also known as the Medicare Open Enrollment Period, is for individuals already enrolled in Medicare. This enrollment period happens every year between October 15 and December 7. Allows Medicare beneficiaries to either:
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OPEN ENROLLMENT 
Medicare Advantage Open Enrollment Period
Are you already enrolled in a Medicare Advantage plan (Medicare Part C) and want to make a change? You can do that during the Medicare Advantage Open Enrollment Period. This enrollment period runs from January 1 through March 31 annually. Allows Medicare beneficiaries already enrolled in a Medicare Advantage plan a one-time election to either:
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SPECIAL ENROLLMENT 
The Special Enrollment Period (SEP)
You should confirm annually that you have creditable Medicare Part B and prescription drug coverage (Medicare Part D) through your employer. If you don’t, you, your spouse – or both of you – could incur lifetime late-enrollment penalties when you enroll in Medicare Part B and prescription drug coverage. If you’re delaying Medicare coverage, ensure you have creditable coverage from another source. You have eight months, during a Special Enrollment Period, to enroll in Medicare Part A and B if you lose your employer-sponsored health coverage. If you want to enroll in a Medicare Advantage plan (Medicare Part C) or Medicare Part D, you only have 63 days to enroll. If you don’t enroll, you could face late enrollment penalties. Important note: COBRA may not count as creditable coverage. Vertical Divider
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INITIAL ENROLLMENT 
Initial Enrollment Period The Medicare Initial Enrollment Period (IEP) is when Floridians become Medicare-eligible for the first time and enroll. It starts three months before your 65th birthday, includes the month of your birthday, and ends three months after you turn 65. Your Initial Enrollment Period lasts a total of seven months
If you’re applying for Medicare for the first time, three enrollment periods are critical to you. These are your Initial Enrollment Period, the General Enrollment Period, and the Medigap Open Enrollment Period. If you miss any of these, you may be able to enroll during a Special Enrollment Period – if you qualify. 
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General Enrollment 
General Enrollment PeriodIf you miss your Initial Enrollment Period, the General Enrollment Period is your next opportunity to enroll in Medicare for the first time. The General Enrollment Period occurs from January 1 through March 31 annually. If you enroll during this time, your Medicare coverage will begin on July 1.
Note: If you enroll in Medicare during the General Enrollment Period, you may incur late enrollment penalties. Vertical Divider
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Medigap Open Enrollment 
Medigap Open Enrollment PeriodThe Medigap Open Enrollment Period is the best time to enroll in a Medigap plan, also called a Medicare Supplement plan. If you’re considering enrolling in a Medicare Supplement plan, mark your calendar for the first month you’re enrolled in Medicare Part B and are age 65. This one-time enrollment period lasts only six months, happens once, and can not be extended or changed.
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Medicare Resources
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MEDICARE RESOURCES
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MEDICARE RULES AND COMPLIANCE. (MORE INFO)
*** This information is provided as a courtesy. Please verify that the forms and processes have not changed.
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