Applying for Medicare

One of my clients did not sign up for medicare when she turned 65 and lost out on reimbursement for a costly medical procedure. Don't let this happen to you. If you are already receiving social security benefits at age 65, then you will automatically be enrolled in medicare parts A and B so no problem. However, if you are not taking social security at age 65 you have to go online and apply for medicare. You should apply three months before you turn 65  to ensure your start date is not delayed. Remember too that medicare only covers about 80% of your medical costs so you will need a supplemental plan offered by a private insurance too. I recommend supplemental plan F or G instead of medicare advantage plan C, and also that you sign up for a private insurance company prescription drug plan D.