Page 21 - North Haven Magazine Issue 27 Winter 2023

Medicare Insurance Questions?

203-239-4044

FRANK LANDINO NICK CASELLA

Avoid Medicare Penalties

By Starting Early!

If you are turning 65 or getting would be to choose either a Medicare Supplement and Pre-
ready to retire this year and need scription Drug plan or a Medicare Advantage Plan. Get
to apply for Medicare, you should ready for another roller coaster ride!
start the process as early as possi-
ble, usually 3-6 months ahead of You can attempt to navigate this difficult process on your
time. The fact is, it is never too own or allow us to help you every step of the way. When
early to have a conversation. Over doing business with us, there is never any cost or obliga-
the years, we have witnessed nu- tion. We have over 27 years of experience and are extremely
merous issues that have caused de- knowledgeable of the Medicare Insurance marketplace.
lays in processing Medicare appli-
cations. Here are some tips to help
you through the process:

Here are some tips to help you through the process:

1. If you are turning 65, you can and should begin the
process at least 3 months ahead of your birth month. If
your group health coverage will continue beyond your
65th birthday, you can apply for Medicare Part A only,
providing your group plan is not an HSA type plan.
You cannot participate in both an HSA type plan and
Medicare. It is either one or the other. If your group
health coverage is ending, you will have to apply for
Medicare Part A and B.

2. If you are over 65, are considering retirement and
will lose group health coverage, you will need to apply
for Medicare Part B at least 2-3 months ahead of time.
However, for this process, you will need to complete an
enrollment form and your employer must complete an
Employer Part B form. These forms must be submit- Call us at 203-239-4044
ted together by mail, fax, in-person by appointment, or
walk-in (and chance waiting in a very long line). We make Medicare Insurance Simple!

Surprisingly, the process doesn’t end there! Once you are
successful in obtaining Medicare Parts A & B, the next step

Health Insurance Associates, LLP • 250 State St. • North Haven 21