Education & Us!

You should apply for Medicare when you are 3 months away from turning 65. If you are already drawing Social Security, you will automatically be enrolled

There are in fact lifetimes penalties involved if you do not sign up for everything properly when first being eligible for Medicare. It's important to have a broker walk you through this process to avoid part B and D penalties

No, you cannot have both a Medicare supplement and a Medicare Advantage plan. You will have to choose between those two options

As silly as the rule is, you need to take drug coverage when you first go on Medicare to avoid penalties later. If you opt out of drug coverage now, you will face a penalty when you do decide to pick it up late. This is a lifetime penalty!

In 2026 the cost for Medicare Part A is free if you have worked 10 years and paid into taxes. For Medicare Part B the premium is $202.90