Three Ardent Points
Q: When will my Medicare benefits start?
A: Medicare benefits typically begin the first day of the month following enrollment.
Q: When can I enroll in supplemental insurance plans to fill Medicare’s coverage gaps?
A: The Initial Enrollment Period for Medicare Advantage, “Medigap” and Part D drug plans are same as the Initial Enrollment Period for Medicare.
Q: Will there be penalties if I don’t enroll in Medicare before my 65th birthday?
A: No, your Initial Enrollment Period starts three months before your birth month and ends three months after your birth month. Premium and coverage penalties may apply if you don’t enroll within three months of your 65th birthday.
Q: Will there be penalties if I’m over 65 and don’t enroll in Medicare Part B before my employer health plan ends?
A: No, the Special Enrollment Period for people who delayed Medicare Part B because of employer health coverage, ends eight months after their employer health coverage stops. Same for related Medicare Advantage, “Medigap” and Part D drug plans.
Q: Will you help me coordinate these important dates?
A: Absolutely! Call or text me at (888) 333-4620.
Turning 65 or Retiring Menu
> Original Medicare Overview Healthcare benefits for Seniors and others.
> Medicare Insurance Solutions Avoid Medicare Benefit Gaps and Penalties.
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Disclosures:
Ardent Health Insurance Services, LLC is a California insurance agency and is not affiliated with or endorsed by the government or Federal Medicare Program. Calling (888) 333-4620 will direct you to a licensed insurance agent.
Ardent Agents are acting in good faith to provide information about health insurance policies and benefits to you, the Client. If you choose a plan and have difficulty completing the necessary forms or process for enrollment, the Ardent agent will assist. However, you will be responsible for the plan contract. Ardent will not choose a plan for you.
Ardent Health Insurance Services, LLC represents insurance companies that offer Medicare supplemental insurance plans. All financial transactions are processed by the insurance companies. Ardent does not add fees or collect premiums. Appointments are encouraged to ensure prompt service.
Ardent does not offer every plan available in your area, but screens to represent those it considers most competitive. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information about all your options.
By texting Ardent Health Insurance Services, LLC at (888) 333-4620, you agree to receive a reply that includes your requested information and/or appointment details. Ardent does not initiate group, broadcast, or unsolicited texts.