Medicare FAQ’s

---

Yes, in certain circumstances you can enroll in Medicare before age 65 — but it’s limited to specific situations. 

1. You have been receiving Social Security Disability Insurance (SSDI) for 24 months or more.
   
   • After 24 months of SSDI, you’re automatically enrolled in Medicare Part A and Part B.

1. You have End-Stage Renal Disease (ESRD) — permanent kidney failure requiring dialysis or a transplant.
   
   • You can qualify for Medicare at any age, often starting the first month you receive dialysis or have a transplant.

1. You have Amyotrophic Lateral Sclerosis (ALS, or Lou Gehrig’s disease).
   
   • You’re automatically enrolled in Medicare the same month your SSDI benefits begin — no 24-month waiting period.

In most cases, no—you should not defer Medicare Part B if you’re retired and elect COBRA. Here’s why: 

COBRA is not considered "active employer coverage."

If you delay Part B while on COBRA, you could face:

• A late enrollment penalty — 10% for each 12-month period you were eligible but didn’t sign up.
• A gap in coverage — You’d have to wait until the next General Enrollment Period (January–March), with coverage starting July 1.

If you’re retired and taking COBRA, enroll in Medicare Part A (if not already) and sign up for Part B as soon as you’re eligible (usually at 65). COBRA can then act as supplemental coverage, but it should not be your primary insurance.

No, we do not charge you to enroll in Medicare plans or for consultations. Here’s why:

• Agents are paid by the insurance companies, not by you.
• Whether you buy a Medicare Advantage plan, Medicare Supplement (Medigap), or Part D drug plan through an agent or directly from the insurer, the premium is the same.
• Agents receive a commission for helping you select and enroll in a plan, but you never pay the agent directly.

Great question—and one that everyone asks when they reach Medicare. The right answer depends on your health, finances, travel habits, and how you like to use your healthcare.   Meet with one of our Licensed Insurance Advisors to review your options and see what plan suits your needs.