Medicare Overview | JSR Insurance | Health, Life & Medicare Insurance

Do I need to Enroll in Medicare?

YES - it is required by law to enroll in Medicare at 65, with certain exceptions (Active Military with Tricare benefits, still working and carrying credible employer coverage, or coverage from a spouse' employer plan)

Enroll in Medicare Now!

Click Here to Apply for Medicare Parts A & B at

Social Security Website (10 minutes to complete).

After successfully applying for Medicare you will receive a

card that looks like this ->

***It is important to note that Supplement policies do NOT include Prescription Drug Coverage (Part D, PDP)***

Also, not all Plan D’s are the same. Although they are required to be at least as good as the Medicare model they can vary greatly in costs, co pays and specific drugs that are covered. It is important to check which one suits you and continue to check each year because they (like Advantage Plans) do change every year.

An individual will need a Part D drug plan when using Original Medicare (if someone does not enroll in a PDP within 3 months of their Part B effective date there could be a penalty)

The Medicare Supplemental plan you choose does not change year to year and there is no need to renew (although the cost does generally go up the coverage does not change).

Because these plans vary even from county to county, we strongly recommend that you talk to an independent insurance agent to help you choose the one that best suits your needs.

Advantage Plans Have the Part D 'built-in'

This is a nice bonus but you must be aware that when switching to a Supplement from an Advantage Plan you will also need to add a Part D. (there are several types of Advantage Plans that do NOT have the Part D built in so this is something you need to keep in mind when choosing any plan)
Advantage Plans Typically Have Value-Added Benefits

These vary between plans but typical benefits include Health Club membership, limited dental, eye and/or vision

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This is a proprietary website. and is not, associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov

Disclaimer: I/We do not offer every plan available in your area. Any information I/we provide is limited to the plans I/we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.