In this essential episode, we tackle the vital question for seniors approaching 65: "Do You Need Medicare?" We provide a  guide through Medicare eligibility and decision-making, focusing on those turning 65.

1. Medicare Eligibility Overview: We start with an overview of Medicare eligibility, particularly for those reaching 65. This includes insights into eligibility criteria for different groups and a link to a detailed Medicare eligibility calculator.

2. The Medicare Enrollment Decision: We debunk the myth that everyone must enroll in Medicare at 65, explaining how your current health coverage influences this decision. We'll discuss when Medicare is essential and when it might be optional.

3. Current Coverage vs. Medicare: Learn how your existing health insurance, including employer group health coverage, retiree plans, and COBRA, interacts with Medicare and understand the implications of the 20-employee threshold.

4. Enrolling in Medicare: Yes or No? We guide you through scenarios where enrolling in Medicare at 65 is beneficial and situations where it might be unnecessary, offering a practical comparison of employer health insurance versus Medicare options.

5. Next Steps as You Approach 65: We outline the steps to take whether you decide to enroll in Medicare or delay it, including automatic enrollment details and actively enrolling through SSA.gov.

Please register for our FREE Online Course here: https://www.gmedcourse.com/

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX. If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Please fill out the form linked to our map.

Check out our website at  https://gmedicareteam.com/

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Sources:

Medicare Eligibility Calculator

CMS Turning 65 Decision Guide

CMS Guidelines for Medicare Eligibility

Medicare Secondary Payer Manual

Pre-Tax Employer Insurance