Turning age 64 does not come with instructions, so here are four things you should figure out before you apply for Medicare that will make the transition much smoother:

• Figure out your retirement date.

Will you continue to work or retire at Medicare age? Since Social Security’s idea of full retirement age is continually increasing, many seniors are opting to work past age 64. If you decide to retire, you can apply for Medicare as early as 3 months before your 65^th birthday.

• Will you keep your employer coverage if you work past age 65?

If your employer offers credible coverage and you want to keep it, be sure to ask your benefits administrator if you will continue to be covered past age 64. If not, you should consider enrolling in Medicare once you are eligible to avoid late penalties.

• Find out what your current plan covers and compare it with Medicare plans if you are debating keeping your employer coverage.

Keep in mind that you may not be able to reenroll in your employer coverage once you end it, so it’s important to compare all aspects of coverage like your plan premium, deductibles, copays, and drug coverage.

• When do you want to start your Medicare?

If you plan on delaying coverage, make sure you have a plan in place because timing is everything when it comes to applying for Medicare. You cannot have Medicare and Employer Coverage at the same time, but you also do not want any gaps in coverage. Be sure to work with a licensed agent who can help you with an exit plan.

Turning age 64 is nothing to dread if you have a plan in place. If you need help preparing for Medicare, be sure to give AMAC’s Medicare Advisory Service a call at 1-855-611-4856 and one of our licensed Medicare Advisors can walk you through the process or request a quote below!

(Please note that we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.)

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