{"id":1209,"date":"2021-01-14T17:44:17","date_gmt":"2021-01-14T22:44:17","guid":{"rendered":"https:\/\/yourcarerep.com\/YCR-BU\/?p=1209"},"modified":"2021-07-16T12:00:55","modified_gmt":"2021-07-16T16:00:55","slug":"so-your-turning-65-what-you-need-to-know-about-your-medicare-benefits","status":"publish","type":"post","link":"https:\/\/yourcarerep.com\/YCR-BU\/so-your-turning-65-what-you-need-to-know-about-your-medicare-benefits\/","title":{"rendered":"So, Your Turning 65: What You Need to Know About Your Medicare Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1209\" class=\"elementor elementor-1209\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47283d9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47283d9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ffe59f\" data-id=\"1ffe59f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c36d6a elementor-widget elementor-widget-text-editor\" data-id=\"3c36d6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So, Your Turning 65: What You Need to Know About Your Medicare Benefits<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d821e0f elementor-widget elementor-widget-image\" data-id=\"d821e0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/01\/senior-birthday-party.jpg\" title=\"seniors celebrating their 65th birthday getting ready for Medicare Advantage with Your Care Rep\" alt=\"seniors celebrating their 65th birthday getting ready for Medicare Advantage with Your Care Rep\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a45596e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a45596e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-303e888\" data-id=\"303e888\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-92953e0 elementor-widget elementor-widget-text-editor\" data-id=\"92953e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>How time flies. One minute you were playing football with your friends or entering beauty pageants. Then you were a taking the kids to soccer. Then you were marrying off your daughter and your son left for college \u2013 you became empty nesters. Grandchildren came and then you were 64-years old. It all feels like yesterday. So, you\u2019re turning 65! Here\u2019s what you need to know about your Medicare benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abd60fd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abd60fd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c33066\" data-id=\"9c33066\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e930e9b elementor-widget elementor-widget-text-editor\" data-id=\"e930e9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Qualifications<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5cd7ab elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5cd7ab\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb83220\" data-id=\"cb83220\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c3c684 elementor-widget elementor-widget-text-editor\" data-id=\"5c3c684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Few people ever have an issue with qualifying for Medicare. However, there are some who did not manage to work enough quarters and may be in for a surprise. To be fully vested and qualified for Medicare, <strong>you must have worked 40 quarters (3 months equal a quarter), or 10 years,<\/strong> paying FICA (Federal Insurance Contribution Act) taxes, which pay for your Medicare benefits and Social Security.<\/p><p>Some professionals take time off to start families or due to health reasons and may have blocks of working quarters that don\u2019t add up to 40, and believe they\u2019ve worked enough. If you\u2019re not sure, check. You don\u2019t want to be caught by surprise and then have to pay <strong>either a $259 or $471 premium<\/strong> (depending on how long you or your spouse worked). To check your benefits, go to <a href=\"https:\/\/www.ssa.gov\/myaccount\/\" target=\"_blank\" rel=\"noopener\">my Social Security<\/a>. If you don\u2019t have an account, create one, and you can get all your information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b24a7f4 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b24a7f4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cf258c2\" data-id=\"cf258c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7416b9 elementor-widget elementor-widget-text-editor\" data-id=\"b7416b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Medicare Benefits<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5ba405 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5ba405\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c704db\" data-id=\"5c704db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e33840f elementor-widget elementor-widget-text-editor\" data-id=\"e33840f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Great! You learned you have nothing to worry about; you qualified for your benefits. What should you do next? Great question. You want to make sure you enroll in Medicare Parts A and B, within three (3) months before your birthday month. If your birthday is March 2<span style=\"font-size: 16px;\">1st<\/span>, you can enroll on December <span style=\"font-size: 16px;\">1st<\/span>&nbsp;of the previous year.<\/p>\n<p>Actually you have a total of seven (7) months in which to enroll: the three months before your birthday month, plus your birthday month, and three months after your birthday month. While you may have this time, you don\u2019t want to procrastinate. Take the time to get your questions answered. Make sure you understand all your benefits (there are quite a few). This way you can make the best decision, saving you money and providing the most benefits. Then, if for some reason, new information arises and you feel you made the wrong choice, you still have the remainder of that seven-month window in which to change your plan decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37ccf5bd elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"37ccf5bd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-313082dd\" data-id=\"313082dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-722e2ff0 elementor-widget elementor-widget-text-editor\" data-id=\"722e2ff0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Subscribe to our newsletter and get the <span style=\"color: #dbae1d;\"><strong>FREE<\/strong> <\/span>Medical Information document for streamlined emergencies or hospitalization.<span style=\"color: #dbae1d;\"><strong> A MUST HAVE FOR CARETAKERS!\u00a0<\/strong><\/span>Don&#8217;t let changes take you by surprise! Stay in the know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4ebe13f8\" data-id=\"4ebe13f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4036eed0 elementor-widget elementor-widget-text-editor\" data-id=\"4036eed0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><script>(function() {\n\twindow.mc4wp = window.mc4wp || {\n\t\tlisteners: [],\n\t\tforms: {\n\t\t\ton: function(evt, cb) {\n\t\t\t\twindow.mc4wp.listeners.push(\n\t\t\t\t\t{\n\t\t\t\t\t\tevent   : evt,\n\t\t\t\t\t\tcallback: cb\n\t\t\t\t\t}\n\t\t\t\t);\n\t\t\t}\n\t\t}\n\t}\n})();\n<\/script><style>.mc4wp-form-94 input[type=\"submit\"],\n.mc4wp-form-94 button {\n    color: black;\n    background-color: #dbae1d;\n    border-color: #c29504;\n}\n\n.mc4wp-form-94 input[type=\"submit\"]:hover,\n.mc4wp-form-94 button:hover,\n.mc4wp-form-94 input[type=\"submit\"]:active,\n.mc4wp-form-94 button:active,\n.mc4wp-form-94 input[type=\"submit\"]:focus,\n.mc4wp-form-94 button:focus {\n    color: black;\n    background-color: #c29504;\n    border-color: #a87b00;\n}\n\n.mc4wp-form-94 input[type=\"text\"]:focus,\n.mc4wp-form-94 input[type=\"email\"]:focus,\n.mc4wp-form-94 input[type=\"tel\"]:focus,\n.mc4wp-form-94 input[type=\"date\"]:focus,\n.mc4wp-form-94 input[type=\"url\"]:focus,\n.mc4wp-form-94 textarea:focus,\n.mc4wp-form-94 select:focus {\n    border-color: #dbae1d;\n}\n<\/style><!-- Mailchimp for WordPress v4.15.0 - https:\/\/wordpress.org\/plugins\/mailchimp-for-wp\/ --><form id=\"mc4wp-form-1\" class=\"mc4wp-form mc4wp-form-94 mc4wp-form-form-theme-custom-color\" method=\"post\" data-id=\"94\" data-name=\"Subscription\" ><div class=\"mc4wp-form-fields\"><p>\r\n    <input type=\"text\" name=\"FNAME\" placeholder=\"Name\" required \/>\r\n  \t<input type=\"email\" name=\"EMAIL\" placeholder=\"Email\" required \/><br><br>\r\n\t<input type=\"submit\" value=\"Sign me up\" \/>\r\n<\/p><\/div><label style=\"display: none !important;\">Leave this field empty if you&#039;re human: <input type=\"text\" name=\"_mc4wp_honeypot\" value=\"\" tabindex=\"-1\" autocomplete=\"off\" \/><\/label><input type=\"hidden\" name=\"_mc4wp_timestamp\" value=\"1794155375\" \/><input type=\"hidden\" name=\"_mc4wp_form_id\" value=\"94\" \/><input type=\"hidden\" name=\"_mc4wp_form_element_id\" value=\"mc4wp-form-1\" \/><div class=\"mc4wp-response\"><\/div><input\n                    class=\"apbct_special_field apbct_email_id__elementor_form\"\n                    name=\"apbct__email_id__elementor_form\"\n                    aria-label=\"apbct__label_id__elementor_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form><!-- \/ Mailchimp for WordPress Plugin --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f7b2ad7 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7b2ad7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65afa86\" data-id=\"65afa86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3547cc elementor-widget elementor-widget-text-editor\" data-id=\"f3547cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>What If I Didn&#8217;t Enroll On Time?<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0aa6f09 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0aa6f09\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-62251bf\" data-id=\"62251bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9c9e10 elementor-widget elementor-widget-text-editor\" data-id=\"e9c9e10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are some reasons why you may not have enrolled on time:<\/p><ol><li><span style=\"color: #303030;\">You were still working and had insurance being provided by your employer.<\/span><\/li><li><span style=\"color: #303030;\">You were covered by your spouse\u2019s insurance who was still working.<\/span><\/li><li><span style=\"color: #303030;\">You\u2019re a veteran with VA benefits and thought you didn\u2019t need Medicare.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-227b166\" data-id=\"227b166\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25a7bbc elementor-widget elementor-widget-image\" data-id=\"25a7bbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/01\/didnt-make-the-deadline.jpg\" title=\"Lady confused about qualifications\" alt=\"Lady confused about qualifications\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-597f352 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"597f352\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e6aa238\" data-id=\"e6aa238\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d45ef8d elementor-widget elementor-widget-text-editor\" data-id=\"d45ef8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While some of those circumstances are valid, there is criteria that must be met, or you will receive a lifetime penalty on your Part B and Part D benefits. And depending on how late, it can be a substantial amount.<\/p><p>There are certain circumstances in which you would avoid the Part-B penalty. For more information on those, read <a href=\"https:\/\/www.medicare.gov\/sign-up-change-plans\/how-do-i-get-parts-a-b\/should-i-get-parts-a-b\" target=\"_blank\" rel=\"noopener\">Should I get Parts A &amp; B? | Medicare<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8261cdb elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8261cdb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-987d84a\" data-id=\"987d84a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f961280 elementor-widget elementor-widget-image\" data-id=\"f961280\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/01\/concerned.jpg\" title=\"concerned\" alt=\"Concerned man\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-776b74c\" data-id=\"776b74c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8940092 elementor-widget elementor-widget-text-editor\" data-id=\"8940092\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The penalty can vary based on your income. However, if you fall in the largest category of beneficiaries, <strong>the Part-B premium is $148.50 for 2021<\/strong> (it goes up annually, hence any penalty would increase annually as well). <strong>The Part-D premium for 2021 is $33.06<\/strong>. If you\u2019re qualified, <strong>your Part-A premium is covered in full<\/strong>.<\/p><p>The <strong>Part-B penalty would be 10% of the monthly premium<\/strong>, for each full 12-month period you did without it. For example, if you enrolled 27-months late, your penalty would be 20% for the first 24\u00a0<span style=\"font-family: Roboto, sans-serif; font-size: 19.2px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0px;\">months,\u00a0added monthly for the lifetime of your benefits. In today\u2019s premium,\u00a0<\/span><span style=\"font-family: Roboto, sans-serif; font-size: 19.2px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0px;\">it would be $29.70 plus the $148.50, for a total of $178.20.\u00a0<\/span><span style=\"font-family: Roboto, sans-serif; font-size: 19.2px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0px;\">Next year\u2019s penalty will be calculated by next years increased premium.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c923d9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c923d9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fa3c0e2\" data-id=\"fa3c0e2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e70668a elementor-widget elementor-widget-text-editor\" data-id=\"e70668a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"letter-spacing: 0px;\">For your Part-D<\/strong><span style=\"letter-spacing: 0px;\"> prescription drug benefits, <\/span><strong style=\"letter-spacing: 0px;\">it would 1% for each month you did without it or creditable drug coverage.<\/strong><span style=\"letter-spacing: 0px;\"> What that means (in English) is if you had creditable prescription drug coverage provided by another source that matched the benefits of Part-D or were greater, then you won\u2019t get fined. However, <\/span><strong style=\"letter-spacing: 0px;\">once you lose that coverage, you have 63 days<\/strong><span style=\"letter-spacing: 0px;\"> in which to enroll, or you will incur the penalty. Using the same example as before, 1% of $33.06 is $0.3306, multiplied by 27 months equals $8.93. So your premium would be $41.99.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1cf790b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cf790b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abd81bf\" data-id=\"abd81bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38f6a91 elementor-widget elementor-widget-text-editor\" data-id=\"38f6a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Original Medicare or Medicare Advantage?<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-38cadc5 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38cadc5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6a8e8ba\" data-id=\"6a8e8ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc4f0d3 elementor-widget elementor-widget-text-editor\" data-id=\"cc4f0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Finally, the other choice you must make is whether to stick with Original Medicare and buy a MediGap plan to cover the 20% Medicare doesn\u2019t cover, along with a prescription drug Part-D plan, or get all your benefits managed under one plan with added benefits \u2013 this is known as Part C or Medicare Advantage.<\/p><p>Depending on the plan, Medicare Advantage can also provide added benefits like:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9bdbc76 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9bdbc76\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2964c0a\" data-id=\"2964c0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-595cb8a elementor-widget elementor-widget-text-editor\" data-id=\"595cb8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"color: #303030;\"><strong>Covering the 20% Medicare doesn\u2019t<\/strong>.<\/span><\/li><li><span style=\"color: #303030;\">First-dollar <strong>dental benefits<\/strong><\/span><\/li><li><span style=\"color: #303030;\"><strong>Vision and hearing benefits<\/strong><\/span><\/li><li><span style=\"color: #303030;\">An <strong>over-the-counter allowance<\/strong> that can vary from $60 to $300 per quarter, for products you normally buy at CVS, Walgreens or your favorite pharmacy.<\/span><ul><li><span style=\"color: #303030;\">Band-aids<\/span><\/li><li><span style=\"color: #303030;\">Antibiotic ointment<\/span><\/li><li><span style=\"color: #303030;\">Alcohol and hydrogen peroxide<\/span><\/li><li><span style=\"color: #303030;\">Acetaminophen or ibuprofen<\/span><\/li><li><span style=\"color: #303030;\">Ace bandages<\/span><\/li><li><span style=\"color: #303030;\">Canes<\/span><\/li><li><span style=\"color: #303030;\">And more<\/span><\/li><\/ul><\/li><\/ul><p><span style=\"color: #303030;\">This gives you back from $240 to $1200 a\u00a0<\/span><span style=\"letter-spacing: 0px;\">year!<\/span><\/p><ul><li><span style=\"color: #303030;\"><strong>Emergency coverage while traveling<\/strong>.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2765472\" data-id=\"2765472\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e387842 elementor-widget elementor-widget-image\" data-id=\"e387842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/wow-man-pointing-pmjowxgdlbgta5u87dl4zofup0rhojkaajwxg93ofe.jpg\" title=\"wow,-man-pointing\" alt=\"Man happy at the extras of Medicare Advantage\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-037a7c0 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"037a7c0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5de89e\" data-id=\"b5de89e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f28399 elementor-widget elementor-widget-text-editor\" data-id=\"7f28399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are many options and plans. You want to make sure you look for a 5-star plan in your area, if there are any, before deciding. <strong>5-Star plans have the highest rating for customer service, plan benefits and claims handling<\/strong> that CMS (Centers for Medicare and Medicaid Services) awards. And <strong>you won\u2019t pay extra for 5-stars<\/strong>!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13d733e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13d733e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-99bd86f\" data-id=\"99bd86f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1184e5 elementor-widget elementor-widget-text-editor\" data-id=\"a1184e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Where Do I Begin?<\/strong><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4aa33b7 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4aa33b7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c668602\" data-id=\"c668602\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e37544d elementor-widget elementor-widget-text-editor\" data-id=\"e37544d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re turning 65, make sure you speak with your Medicare Advantage professional and get answers for your specific needs. If you\u2019re <strong>in the state of Florida, <a href=\"https:\/\/yourcarerep.com\/YCR-BU\/quote\/\">take our questionnaire<\/a><\/strong> and one of our professional and courteous agents will contact you with your <strong>FREE information, with no obligation <\/strong>whatsoever.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>So, Your Turning 65: What You Need to Know About Your Medicare Benefits How time flies. One minute you were playing football with your friends or<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[2],"tags":[6,7,13,8,9,10,11,12],"class_list":["post-1209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-medicare","tag-medicare-advantage","tag-medigap","tag-original-medicare","tag-part-a","tag-part-b","tag-part-c","tag-part-d"],"jetpack_featured_media_url":"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2021\/01\/senior-birthday-party.jpg","_links":{"self":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts\/1209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/comments?post=1209"}],"version-history":[{"count":0,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/posts\/1209\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media\/1213"}],"wp:attachment":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media?parent=1209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/categories?post=1209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/tags?post=1209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}