You have one goal when choosing a Medicare plan that far outweighs any other goal.
That goal is as follows:
At some point in your life - and I hope it never happens - you may be diagnosed with a serious health condition for which you want to use the doctor or hospital with the most experience and expertise for your condition and who therefore gives you the best chance for the best health outcome. If this happens, you should be able to get this care as soon as possible with little or no cost.
Being a doctor is a noble profession. But a doctor is not a commodity. Some doctors simply have more experience and expertise for certain conditions than others.
In today's internet-savvy world many people prefer to make their own decisions about Medicare without feeling pressured by someone on the phone or even a stranger sitting at their kitchen table.
The good news is you can do just that with all four major parts of Medicare - Medicare Parts A and B, your Medicare Supplement and your Medicare Part D Drug Plan.
To enroll in Medicare Parts A and B - or Medicare Part A only - all you need to do is go to www.socialsecurity.gov.
You can click on the following link to get detailed instructions on how to enroll
Click here for instructions for enrolling in Medicare online
The question I receive more than any other when someone is turning 65 and becoming eligible for Medicare is "What do I do about Medicare if I am still working and have coverage through my employer?
There are several different issues to consider when answering this question.
The first thing to know is when you turn 65 and are still working, you have a choice between staying on your employer's coverage or leaving that coverage and going on full Medicare.
I have been privileged to help several thousand people who were going on Medicare understand their Medicare options so they could make the right Medicare decision for them.
While many people I help understand the long-term implications of the choices they make when they first go on Medicare, I often talk with someone who does not yet realize the Medicare choices they make when they first go on Medicare are often long-term rather than short-term decisions.
The conversation will often go something like this...
"Hi Charlie...this is Robert. I am turning 65 and going on Medicare next month. I need to decide what Medicare plan I need. I am in good health, take no medications and only see a doctor once or twice a year."
If I were helping this same person with his property insurance, the same logic would go something like this...