Are you turning 65? Have you opened your mailbox lately? After you have cleaned and disinfected your mail, what do you see? Tons and tons of solicitations! Pick me the mailers scream! Your time is now and you have a right to get your free benefits! Enroll today!

It is important to understand that you most educate yourself when turning 65. It is an exciting time your entrance into Medicare. This is government sponsored insurance that you have waited your entire life to get. But you must choose wisely. Are you going to enroll in original Medicare? Or are you going to enroll in a Medicare Advantage Plan, managed care. It looks the same as you have had in the past so that seems to be the path of least resistance. Take your time when choosing. What fits you best. Remember that nothing is really free. If you see an attractive $0 premium plan you still have to pay your Medicare Part B premium of $148.50 for 2021. There will be co-pays, a deductible a maximum out of pocket (MOOP), prior authorizations and pre-approvals to deal with as well. The plan is far from free. Take a look at the video and I hope this gets you on the right path when deciding what Medicare solution works for you. Who are you? Medicare Advantage or Medicare Supplement?