Getting Started

HOW TO SIGN UP FOR MEDICARE PART A & B

Automatic Enrollment

If you are on an employer group plan, you will not be automatically enrolled by Medicare and will need to apply.
If you are not on an employer group plan and you have the required 40 quarters credit (10 years ) that you paid into the Medicare system, you should be automatically enrolled into Medicare Part A and B.
If you have been receiving social security benefits on disability for 24 months, you should be automatically enrolled when eligible.
Your red, white and blue Medicare card will typically arrive in the mail about 3 months and 15 days prior to your your 65th birthday month. If you do not receive it, please call us. We can check to see if you are in the Medicare system and apply for you, if you are not.

If you were not automatically enrolled into Medicare, you will need to apply for Medicare Part A and B unless you prefer to stay on your employer group plan which most people don’t because most employer group plans have high medical deductibles and do not cover you at 100%.
You can submit an electronic application on Social Security’s website HERE
Fill out your application and submit. This is the easiest way to apply for Original Medicare and usually takes less than 20 minutes.
Our agents can help guide you through the process, OR HAPPILY DO IT FOR YOU. Give us a call or schedule an appointment today! There is never any cost for any of our services!

If you were not automatically enrolled and do not wish to apply online, you can call your local Social Security office to schedule your in-person appointment. These appointments are often scheduled at least 30 days from your call and can often take longer to get your Medicare card. The wait times at your local SS office vary but can often take all day so be prepared. Always get your application summary to confirm that Social Security completed your enrollment correctly.
You can also call Social Security Administration and apply over the phone, but be prepared for long call wait times. There is also a potential they may reschedule your telephonic enrollment.

& THE MEDICARE SAVINGS PROGRAM

Medicaid is a joint Federal and State program that helps cover medical costs for people with limited income and resources. Eligibility requirements and benefits can vary from state to state.

CLICK HERE to see all Medicaid income limits by state.
If you are close to an income limit, it never hurts to still apply. Many factors are taken into consideration.
CLICK HERE to apply for "EXTRA HELP"/ MEDICAID.

In this application you will see a question that says check this box if you Do Not want us to send a copy of this application to the state for the Medicare Savings Program (Medicaid). Make sure to leave this box BLANK and do not check this box so that your application will be sent to the state to be processed for Medicaid. Some states require you to apply for Medicaid directly to the state. We can help you verify if your state requires this.

Our agents will be happy to submit a Medicaid application on your behalf to your state. Just call the number below.

ALSO KNOWN AS Low Income Subsidy (LIS)

A Part D Low Income Subsidy helps people with Medicare pay for their prescription drugs and can lower the costs of Medicare prescription drug coverage if approved. Eligibility is based on certain income limits.

CLICK HERE to apply for the "EXTRA HELP" PART D LOW INCOME SUBSIDY - FOR PRESCRIPTION DRUG CO-PAYS.

Or you can call us today and our agents will check your eligibility and apply on your behalf!

We know this can be confusing and overwhelming time. We know you are getting tons of Medicare mail along with unsolicited phone calls day and night and it’s all frustrating. Your time is valuable and our agents understand that. They are very friendly and gracious to work with you. They can explain all of your options in a simple and easy to understand way and help you narrow down your plan options.
We have nearly 15 years experience navigating the world of Medicare. Let our experts guide you! We can check the status of your applications and make sure they are submitted correctly!
We won’t call you unless you call us! We won’t harass or bully you onto a plan! There is no pressure to enroll. If you just want some information, that’s okay too. WE WILL NOT CHARGE YOU FOR ANY OF OUR SERVICES.
Where most agent relationships stop right after the enrollment, it’s our goal to be your trusted Medicare resource for life! We’ll take you step by step through the enrollment process. If your needs ever change, you can always call us and we’ll be there to help guide you through Medicare with Grace!