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Not sure what plan is right for you? Take Our Medicare Quiz

I am over 65 and I am new to Medicare, what do I do?


Congratulations! Good for you, it is time to kick back and enjoy! If you are over 65 then you will already have Medicare Part A (since you turned 65). However, you may have to apply for part B if you delayed these benefits, as you were still working. Your options are:

  • If you delayed your part B benefits, you will need to contact the Social Security office and apply. You will need to submit a letter of credible coverage indicating why you enrolled late. This will help you to avoid any late penalty.
  • If you didn’t delay your part B benefits, you will still need a letter of credible coverage from the current employer or insurance carrier in order to apply for insurance plans: Medicare Supplement, Medicare Advantage, Prescription Drug Plans.  
  • Enroll into a Medicare Supplement (Medigap) Plan to help cover the gaps in Original Medicare (add on a Part D).
  • Enroll into a Medicare Advantage Plan

Learn More: How Much Does Medicare cost?

People Also Read: Are All Medications Covered Under Part D (prescription drug plans)?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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