Margy Wenham Insurance Services, Inc - Serving California Since 1991

Your Initial Enrollment Period This is a span of seven months during which you need to enroll in Medicare. Your Initial Enrollment Period (IEP) begins three months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65. If you are already receiving benefits from Social Security or the Railroad Retirement Board at this time, in most cases, you will be automatically enrolled in Original Medicare Parts A and B. Otherwise you need to contact your local Social Security office or Medicare to enroll. The Part B Decision Most people get Part A (hospital insurance) premium-free because they or their spouse worked and paid taxes. You can sign up for Part A even if you continue working and have employer insurance. In that case, Part A would be your secondary hospital insurance. Part B (medical insurance) is a different story. You will pay a premium for Part B. So you may want to delay signing up if you have other health car...

Each year, Medicare drug-benefit enrollees have the option of changing plans during a six-week open-enrollment period that begins October 15th and ends on December 7 th .  If you choose a new plan it will begin on January 1, 2016. Each Medicare prescription drug plan will have a list of prescription drugs or formulary that are covered by the plan. Drug lists or formularies can vary greatly from one prescription drug plan to the next. So it is key that you ensure that your medications are covered by your chosen Medicare prescription drug plan. To determine if your Medicare drug plan is the right plan for you go to Medicare.gov .   Once you get to Medicare.gov’s website, choose the tab “Find Health and Drug Plans.”  Provide your zip code, then check two boxes:  (1)  You are on Original Medicare and (2) You don’t know if you receive help from your state in purchasing the drug plan purchase.  Then, simply type in your the medications you take and ...