Every once in a while I will come across an employee who does have awesome health insurance coverage, even better than what’s available through Medicare. This means they are paying less than $300 a month in premiums, they have a deductible less than $200, and they are able to see the doctors they want to see. This is rare but amazing.
Our Medicare Office Team is the best at evaluating your current plan and whether or not it is better for you to switch or stay. If you are enrolled in a plan better than what is offered through Medicare, you will want to know if you are subject to any late enrollment penalties. If you do not enroll in Original Medicare at the age of 65, you may end up paying more for it in the future due to late enrollment fees. However, you can avoid all penalties if you are receiving your health insurance from your employer. Our team is great at helping you avoid those penalties so you can stay with your awesome insurance.
In these cases I like to discuss the process of moving to Medicare WHEN the right time comes. Our team is able to make sure you do not incur any penalties by not enrolling in Medicare. We’d love to help you evaluate your plan options and navigate the enrollment process.