CDISNM Blog
Simple Steps to Medicare Enrollment & Eligibility
Who qualifies for Medicare?
If you’re 65 or older and have worked (or your spouse has) for at least 10 years paying Medicare taxes, you likely qualify for premium-free Medicare Part A — hospital coverage that includes inpatient care, skilled nursing, hospice, and some home health services.
Under 65? You may still qualify if:
You’ve received Social Security or Railroad Retirement benefits for 24 months.
You have End-Stage Renal Disease (ESRD) or need a kidney transplant.
Even if you haven’t paid Medicare taxes, you can usually buy coverage if you’re a U.S. citizen or permanent resident.
When and how to enroll?
If you’re getting Social Security or Railroad Retirement benefits, you’re typically enrolled in Parts A and B automatically. You’ll get a welcome packet about three months before your 65th birthday.
Not getting benefits yet? Contact Social Security three months before turning 65 to get started.
Your Initial Enrollment Period (IEP) spans seven months:
Three months before your 65th birthday.
The month of your 65th birthday.
Three months after your 65th birthday.
You can still enroll even if you’re not retiring yet, and you might qualify for a Special Enrollment Period (SEP) if certain conditions apply.
Ready to start your Medicare journey?
To speak to an Education Specialist Call 1-855-890-2583 now!
CDISNM Blog
With so many insurance agencies out there, finding the right one can feel overwhelming. So, why choose us?
What sets us apart is our commitment to exceptional service and a people-first approach. We believe insurance should be simple, accessible, and stress-free. Our experienced team ensures you understand your options, feel confident in your choices, and receive the best possible support at every stage. Integrity and a genuine dedication to our clients drive everything we do.
A Team You Can Rely On
We’re more than just an insurance agency — we’re your trusted partner, here to help you make informed decisions with confidence. Navigating insurance can be confusing, but with us, it doesn’t have to be. Our team of licensed agents is dedicated to helping you find the best coverage. We take the time to understand your needs so you can feel confident in your choices. Through continuous training and staying current with the industry, we’re committed to providing the guidance and support you deserve.
What You Can Expect from Us:
• A direct connection between you and your insurance provider
• One number for all customer service needs
• Customer Service Advocates who prioritize your best interests
• Personalized support from licensed agents who tailor your coverage
• Clear, straightforward explanations of your insurance options
• Ongoing assistance, education, and follow-up at every stage
• Bilingual support – Spanish-speaking assistance available
Education & Community Support
Our mission extends beyond providing insurance — we’re here to educate and empower our community. We offer resources on key topics like the Medicare 707, Medicare Advantage, Medicare Supplement, and Medicare Part D. Our goal is to help individuals make informed decisions about their healthcare coverage.
Whether you have questions about benefits, plan changes, or need support navigating your policy, our team is here to help. We go beyond the typical insurance agency experience — because you deserve more than just coverage. You deserve real support from people who care.
Not affiliated with the United States government or the federal Medicare program.
CDISNM Blog
Your Medicare Readiness Checklist:
Get Ahead 9 to 12 Months Before 65
Confirm your Medicare eligibility by contacting the Social Security Administration at 800-772-1213.
Review your current health insurance policy to understand how your coverage may change when you turn 65.
Start searching additional coverage options to help cover any costs not included in Medicare.
Fine-Tuning Your Options: 4 to 8 Months Before 65
Get familiar with the basics of Medicare: Parts A, B, C, and D.
Check with your doctor to confirm whether they accept Medicare or participate in other Medicare plans.
Explore supplemental coverage options to help with out-of-pocket medical expenses not covered by Medicare.
We’re here to help! Call 855-890-2583 to speak with an Education Specialist for expert assistance.
The Home Stretch: 1 to 3 Months Before 65
Enroll in Medicare Parts A and B. If you haven’t received your enrollment information, contact the Social Security Administration at 800-772-1213.
Planning to take early Social Security benefits? Sign up now—it may take up to three months to receive them.
Ensure your spouse and/or dependents have alternate coverage once you transition to Medicare.
Let us guide you! Call 855-890-2583 to speak with an Education Specialist about your next steps.
Happy 65th Birthday!
Haven’t received your Medicare card yet? Contact the Social Security Administration at 800-772-1213.
Provide your doctor’s office with a copy of your Medicare card and any supplemental coverage you’ve enrolled in.
CDISNM Blog
Turning 65? It’s time to understand how and when you can enroll in Medicare!
Initial Enrollment Period (IEP)
Medicare Part A (hospital insurance): Automatically enrolled at no cost if you’ve worked 10 years and qualify for Social Security or Railroad Retirement Board benefits.
Medicare Part B (medical insurance): Automatically enrolled (with fee), but can opt out. Still working and covered by an employer health plan? Delay Part B without penalty and enroll during a later SEP.
General Enrollment Period (GEP)
Miss your IEP? Sign up for Medicare Parts A and/or B from January 1 – March 31. Coverage begins July 1, but late enrollment penalties may apply.
Special Enrollment Period (SEP)
Experienced a life-changing event (e.g., losing employer coverage, moving, or changes in Medicaid eligibility)? You may qualify for a SEP to enroll outside the standard windows.
Medicare Advantage Open Enrollment Period (MA OEP)
From January 1 – March 31, if you’re enrolled in an MA plan, you can:
• Switch to another MA plan.
• Drop your plan and return to Original Medicare, with the option to add a Medicare Supplement and/or Prescription Drug Plan (PDP).
Annual Enrollment Period (AEP)
From October 15 – December 7, you can:
• Move from Original Medicare to an MA plan (with or without prescription drug coverage).
• Join, drop, or switch PDPs.
• Switch MA plans or return to Original Medicare (with supplemental coverage options).
Act Early. Stay Covered. Avoid Penalties.
Enroll or make changes before your window closes to ensure coverage starts January 1 of the following year.
Connect with an Education Specialist at 1-855-890-2583 and make your Medicare plan work for you!
CDISNM Blog
Are you trying to decide between Medicare Advantage and Medicare Supplement (Medigap) plans? You’re not alone. This critical decision can significantly impact both your healthcare and your wallet. Let’s break down these options to help you make an informed choice.
The Fundamental Difference: You Can’t Have Both
First, understand this key point: you must choose between Medicare Advantage or Original Medicare with a Medigap plan. You cannot have both. Each option has distinct benefits and trade-offs that deserve careful consideration.
Medicare Advantage: The All-in-One Option
Pros:
- Lower monthly premiums (often $0)
- Extra benefits not covered by Original Medicare:
- Dental care
- Vision services
- Hearing aids
- Fitness memberships
- Built-in prescription drug coverage in most plans
- Annual out-of-pocket maximums
- Ability to have larger doctor networks – PPO
Cons:
- Limited to network providers HMO
- Requires referrals for specialists (in most cases)
- HMO
- Need pre-authorization for certain procedures
- May have limited coverage outside your home state
- Network restrictions might affect your choice of doctors
Original Medicare + Medigap: The Flexible Option
Pros:
- Freedom to see any doctor accepting Medicare nationwide
- No referrals needed for specialists
- No prior authorizations required
- Predictable costs
- Excellent coverage for frequent travelers
- Better for those with multiple state residences
- Little to no out of pocket expenses for doctors and hospitals
Cons:
- Higher monthly premiums
- Separate drug plan (Part D) needed
- Additional cost for supplemental benefits
- May have higher upfront costs
Making Your Decision: Key Factors to Consider
- Your Lifestyle
- Do you travel frequently?
- Do you split time between different states?
- How important is keeping your current doctors?
- Your Health Status
- Do you have chronic conditions requiring specialist care?
- How often do you see doctors?
- Do you anticipate major medical procedures?
- Your Budget
- Can you handle higher monthly premiums?
- Would you prefer lower monthly costs with potential copays?
- Have you considered total annual healthcare spending?
Important Timeline Tips
- Initial Enrollment: Sign up during your 7-month window (3 months before turning 65, your birth month, and 3 months after)
- Medigap Open Enrollment: 6 months from the first day of the month you turn 65 and enroll in Part B
- Annual Enrollment Period: October 15 – December 7 for plan changes
Making Your Final Choice
The “right” choice depends entirely on your personal circumstances. Consider:
- Reviewing all costs, not just premiums
- Checking provider networks in your area
- Evaluating your travel needs
- Assessing your health conditions
- Calculating potential out-of-pocket expenses
Need Help Deciding?
Our licensed Medicare specialists are here to help you navigate these choices. We’ll analyze your specific situation and help you choose the best coverage for your needs.
Contact us at (855) 740-2227 for a free Medicare consultation.
Remember: Your Medicare choices can significantly impact your healthcare experience and financial security. Take time to understand your options and make an informed decision.
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