Daniels Insurance Agency

Every situation is different, however if your employer has 20 or more employees, and you are covered under a Group Employer plan, you may be able to delay Part A and Part B and won’t have to pay a lifetime late enrollment penalty if you enroll later. If you want to delay both Part A and Part B coverage, you don’t need to do anything when you turn 65. ... When the employment or employer/union coverage ends You have 8 months to sign up for Part B without a penalty.

Yes, If you do not have a Part D plan, Medicare will charge a penalty for every month you do not have one. Medicare calculates the penalty by multiplying 1% of the "national base beneficiary premium" ($33.19 in 2019 and $32.74 in 2020) times the number of full, uncovered months you didn't have Part D or creditable coverage. The monthly premium is rounded to the nearest $. 10 and added to your monthly Part D premium.

Give us a call and we will help walk you through the necessary steps.

Our services are free of charge to the client. The agents get paid directly from the Insurance company.

Medicare usually doesn’t cover health care while you’re traveling outside the U.S. We recommend obtaining International Travel Insurance. Contact our office to learn more!

You can sign up online by going to: https://www.ssa.gov/benefits/medicare/