The Medicare Enrollment Pathway

  1. You can begin Original Medicare (Part A & B) coverage as early as the first of the month before when you turn 65* OR after 24 months of Social Security Disability Income. Sign up for Original Medicare three months before and after your initial eligibility date. 
    *which means that if your birthday IS the first of the month, Medicare can begin the first of the PRIOR month if you sign up in a month at least two months prior.
  2. If you will still be working AND still be eligible for your employer’s (or your spouse’s employer’s) group health plan when turning 65.
  3. Later, you can sign up for Original Medicare (Parts A & B or B if you already have A) with an allowed Special Enrollment Period (SEP). 
  4. If you missed your enrollment period, you can enroll during the General Enrollment Period (Jan 1 to Mar 31), but you will pay a lifetime Late Enrollment Penalty

Your Medicare Enrollment Pathway begins 4 to 6 months before eligibility and will involve different steps depending on your circumstances. 

Once you sign up for Medicare, you can check the status of your Medicare application by clicking here.

Original Medicare (Part A & B) eligibility beings on the first of the month in the month you’ll turn 65 or after 24 months of Social Security Disability Income. 

Your Medicare Enrollment Pathway begins 4 to 6 months before eligibility and will involve different steps depending on your circumstances. 

Once you are enrolled in Medicare Part A & B, schedule here for your Phase 2 Enrollment.

To prepare for your appointment, please prepare a list of doctors and medications (name, dosage, frequency, how often you get a refill)

At your appointment, we’ll review:

• The differences between a Medicare Advantage plan (including prescription drug coverage) and a Medicare Supplement plan (with a standalone prescription drug plan).

What you want and need:

  • Access to provider network in Maine or around the country
  • Access to medications
  • A relationship with the insurance company (ratings & reputation)
  • Something that fits your budget and your anticipated claims

Ideally, four weeks prior to your Part B start date, we’ve completed a review of needs and finalized an enrollment plan.

We do not offer every plan available in your area. Currently we represent 6 organizations that offer 46 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.