Turning 65
When does my window open, and should I take Part B now?
Seven months, two decisions, and one rule about supplements that nobody tells you until it is too late.
- Initial Enrollment Period
- 7 months, centred on your birthday month
Who we help
Four buyers, four first questions
A 64-year-old checking whether to delay Part B and a contractor estimating next year's income are not having the same conversation. Start with the one that sounds like you.
Self-employed
How do I cover myself when my income is different every quarter?
The subsidy follows your income estimate, so the estimate is the job. Here is how to get it close.
- What drives your subsidy
- Estimated household MAGI for the coverage year
Families
What covers everyone without paying for cover nobody uses?
Household plans, pediatric dental, and the arithmetic of a deductible that has to stretch across four people.
- Watch this figure
- The family out-of-pocket maximum, not the premium
Business owners
Can I offer benefits without committing to a cost I cannot control?
Participation rules, contribution models, and a renewal process that starts before the increase arrives.
- Typical requirement
- About 70% participation and 50% employer contribution
Call and ask us anything. Nothing is sold on the phone.
Twenty minutes with someone who will ask for your doctor list before naming a plan. If the right answer is the plan you already have, that is what you will hear.
(727) 555-0241Mon - Thu 8:30 am - 5:30 pm · Friday 8:30 am - 3:00 pm · TTY 711 · Se habla español
No cost to you, ever. We are compensated by carriers, not by the people we advise.