Working past 65? Avoid these HUGE Medicare mistakes.
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- čas přidán 23. 01. 2024
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CMS Medicare Part B Special Enrollment Period Document:www.ssa.gov/pubs/EN-05-10012.pdf
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Crash fatigue is showing with most people. Most are so tired of hearing about the worse even though its true. We are being boiled slowly in the pot! I want to diversify my $80k portfolio.
I completely agree. It's not just about the dividends or profits, Diversifying a portfolio can be a smart move and i always advise one gets a professional to help out.
The issue is most people have the “I want to do it myself mentality” but not equipped for a crash that comes afterwards. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 300%, summing up nearly $1m, since covid outbreak to date
That's impressive! I could really use the expertise of this advisors because my portfolio has been down bad. Who is the person guiding you please?
‘’Aileen Gertrude Tippy’’ is the licensed advisor I use. Just search the name. You’d find her webpage and necessary details to work with to set up an appointment.
Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@PilouBen However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@@SammyIglesias4665 Oh please I’d love that. Thanks!
@@PilouBen Judith Ann peace is her name
Lookup with her name on the webpage.
What pisses me off is… Idid not sign up for prescription drug plan when I signed up for Medicare at age 65 because I wasn’t taking any drugs. Later Iwas convinced to take the part D coverage. Then I find out I will have to pay a monthly penalty amount of $18.00 for the rest of my life to the drug companies because I did not enroll in part D when I signed up for Medicare. (I am now 82 years old, in good health, and still do not take prescription drugs). It’s a rip-off.
I worked pass 65 and enrolled Medicare part A only but not part B and part D, because I have insurance covered doctors visiting and drugs. Will I get late penalty of Medicare part B and D when I am ready to retire and enroll for benefits? Thanks
That’s your fault. You opted into a benefits program. The benefactor is your master, always.
Why didn't you know that? You've got to research and find out those things. That was in the first mailing I got about Medicare. Also, if you're in good health, you should take Medicare Advantage, which includes a drug plan.
People go talk to a medicare agent. ITS FREE.
I agree, the penalty is a rip off
As someone turning 65 next month this type of information is very helpful. The way they have set everything up could not be more confusing and inefficient.
Agreed! Glad this was helpful.
They do that on purpose, that’s how they use their excuses on how you get penalized later on.
That's cause there forcing people on this cause they want your money
It's the government. They are here to help us. Still want universal care? The only way you fix this is to completely destroy healthcare in America. We're talking about all of the "health" insurance companies. Millions of workers. Then the government gets involved (tripling Medicare staff) and now you have no one to sure when they f up. It's ridiculous.
I am a retiree already on Medicare. When I saw that this video was available, I wanted to take a look. And I want to say, this is one of the best videos I've seen for those not yet on Medicare. The speaker, Stephanie, is very well spoken on the matter. She speaks clearly on what you need to know but does not confuse you with more info than you need or with casual comments. (If this were available back when I was applying, it would have been an excellent resource).
Thank you so much for taking the time to leave this kind comment!
So are you happy with your coverage??
Thank you! 65 1959/March and still working….
Why does the Fed make EVERYTHING so damned complicated???
So they can screw you over
Totally agree.... I believe they do that on purpose
I am agre with you 1000% procent. To me it's money from insurance companies make do it.And let old retiree figure out..When Fed in clear connection with Med .insurance company plus pharmaceutical companies. They are so happy we are not.Fisherman always said better fishing in muddy water .
Fools… just leave the USA permanently, and live in a civilized country that has universal healthcare . I became a USA expat 19 years ago, the best decision of my life 🫵
Because insurance companies are bribing politicians to make it that way. If they could get congress to eliminate Medicare, they would.
The US healthcare system is so messed up. I would rather have a national healthcare system like Norway. We will pay for this one way or another. I would rather pay in the form of taxes throughout my life than have to pay for it post-retirement (when money will be tight).
I signed up for part A when I turned 65 but am still working with great benefits so waiting to get part B until I retire in a couple more years. The biggest thing that ticks me off is why older folks have to pay for Medicare in any form.
It's a tax on turning 65, plain and simple, and another way to claw back money from people's social security.
Because old people are more likely to have health problems. We got to pay less while young people pay a lot. Why you got a problem with that? Are you suggesting Elon Musk and his buddies pay a few billion more in taxes (a tiny fraction of a percentage of what everyone else pays) so we can avoid paying for Medicare? Hell yes!
Ask me "why older folks have to pay for Medicare in any form" after you stop voting Republican.
@@misterguts Someone's got to pay for it. Who do you imagine it should be?
It was Democrats who set up Medicare as a partially taxpayer funded program, and it was designed to cover half.
If you want it to be _free_ , you'd have to commit to paying at least double what you paid during your working career.
@@teekay_1You paid for it your whole working career, so now you are paying again, why?
Im a trucker, turn 65 next year, but plan to keep working for another 5 years. Because I love driving truck! 🚛❤️
That's awesome!
I am still working for a large company but chose to sign up for traditional Medicare during open enrollment as I get much better coverage than my 80/20 employer PPO plan for the same price. I don’t have the health insurance deduction pre-tax so while I did see an increase in my paycheck, I am also paying a slightly higher amount in tax.
Do what I did. Sign up for Medicare and a supplement ( or an advantage plan..whichever works fir you ) then Get off the company plan and get the employer
Reimburse your costs monthly. It will be cheaper for them so they should agree. I worked at two different companies after I got on Medicare & supplement and both did that as well.
Thank you for sharing this information. I will ask my employer what you did it.😊
Thank you, Stephanie. I'll need to study your video like a very intensive college class.
Thank you so much for explaining these crazy Medicare rules and regulations in such a easy to understand manner.
I am retired but still work for my company but that will this month I'm am 70 years old I understand what you were saying about Medicare part b thanks for the insight.
Wow, what an informative video! Thank you so much for taking the time to make this. I am 62 and do not plan to retire any time soon. This helps me not to worry about my medical enrollment until I am ready thank you again. Excellent video.
Thank you young lady for explaining Medicare were someone can understand It…
I was working with an employer but I covered by my wife’s insurance where she worked. It got so expensive like about $600 a month at 66 I signed up for A & B and a G Plan as well and saved $300 a month switching to Medicare for myself. I worked till 69 to get the most money of SS. I was not penalized for anything! It was best decision for us.
Thank you so much, Stephanie. This was the clearest, most concise explanation of Medicare enrollment for those of us working past the age of 65 I've seen.
Thanks so much for watching!
Thank you, this helped a lot. I just turned 65, I don’t plan to apply for SSI or apply for Medicare. I work for a health care clinic and they offer very low cost health care coverage to their employees.
be sure send certified snail mail usps, you opt out all ssi and medicare.
That’s amazing! I worked in health care for decades and none of the hospitals or clinics offered health care to their employees after retirement!
Joyful Day Stephanie! You are AMAZING!!! I"m new to Medicare. Glad you shared this information. I didn't know about the HSA portion. Thank you kindly!!!
You’re welcome!
Just some clarification on medicare parts A & B. If you begin drawing social security even if you continue working you will automatically be enrolled in part A. You don't pay for part A so no big deal. I started drawing SS when I reached FRA (full retirement age) at 66 1/2 and I continued working full time. Because I have credible health insurance coverage through my employer with benefits and a premium that's competitive with and in most instances much better than either Medigap or Medicare Advantage plans available under Part B, I opted to defer enrollment into part B of medicare. Furthermore my insurance through my employer is primary over Medicare B coverage anyway and covers everything I need so no sense paying for extra insurance I would never use or need as long as I have credible coverage.
You just need to do your research and decide what's best for your circumstance.
I was wondering about that automatic enrollment into Medicare Part A. Why is that? And, why was it assigned an effective of 6 months earlier that the first Social Security check??
My dad is a Spanish speaker and I am first gen. When he retired the meeting was over the phone and the rep did not explain any of this at all. Which lead to him canceling his work insurance thinking we had part A and B and now he has the 10 % penalty. Why is this all so dang complicated. The rep at the SSn office literally said to our face well that is your fault for not knowing. MAAM IT IS YOUR JOB. I was ferious to say the least.
That sounds SO frustrating
...and yet, if you took out a huge college loan that you can't, or don't want to pay back, the Govmint is itching to forgive it. Vote like your life depends on it... not based on false, bed-wetting narratives.
This is one of the few videos that has actually given me useful information. Very nice. Rare thing these days.
Thank you for your clear explanations, Stephanie! When I'm ready for Medicare, I'll be giving you a call! :-)
👍🏽waow! This was so good and just what I needed, a simplified version, I will be listening on rotation until I have it memorized, I need to figure out the best way to go, still have a little time….🙏🏽Thank you so much for this.
Very informative. I'll be 65 this year and still working. I now have a clear picture of what to do. Thanks so much!
Thanks. I will get on to this after 4years.😊
I'm working till either 66 or 66.8. I applied for part A, but will apply for Part G 3mos before I retire.
Good information. I currently have Medicare because I am also a military retiree. I noted in my medicare booklet around page 8-9 if you are a military retiree you have to sign up for Medicare then you automatically revert to Tri-care for Life. My kicker is I also still work and my employer has less than 20 employee's so Medicare is primary over my UHC provided by my work(and used for my wife who is not 65). Tri-care is only used for prescriptions. With insurance so complex it seems no one wants to solve that issue. I guess regardless of political party they have something to blame the other party for! Why would they want to simplify insurance?
Qualification if you are employed by employer with 20+ employees and continued to be covered under your employer's plan. Ask your benefits representative if the plan requires you to become covered under Medicare at 65 - some employer plans do and they effectively become Medicare supplement plans. If they do, and you do not enroll in Medicare, your benefits will be reduced just as if you enrolled in Medicare.
Thank you so much. I truly appreciate the guidance on this very important topic.
Wow, thank you so much!!..clear ad precise information
Thank you. You help answer the big question. I have had a lot of people tell me I still have to register for Medicare A & B even though I am working and have health insurance.
I took Medicare Part A when I turned 65 but not Part B because still working for employer with more than 20 employees. I am planning on retiring this year so the timing of presenting to the Social security office proof that I have been on continuous coverage since 65 is useful. I agree how complicated they’ve made it. Unfortunately our American health care system is profit driven.
Thank you ! Will be in touch ! ❤
Always great information. Thank you. I’ll be calling soon.
Thank So Much! 🎉 Very helpful information.
I’ve decided, this is the best explanation of when to sign up for Medicare on CZcams.
Thanks!
Wow, thank you! 😀
Wow, thank you so much for the videos that you post ! They are VERY informative and easy to understand. You have single handedly made the Medicare sign up process pain free. lol
You're very welcome! ☺️
Thank you so much Stephanie. Great information and saving this video for when I retire in Nov 2025.
Thank you for your life saver video and I’m sure it will be useful when I want to apply ❤️👍
1:18 into vid and I'm already mad...You mean that if I make enough money working/investments/etc, I WILL GET IN TROUBLE IF I DON'T GET ON MEDICARE 🤯🤯🤯🤯🤯🤯🤯🤯🤯🤯🤯🤯 This is America, but I will be forced into this? Now that I'm done watching your vid I want to say THANK YOU. I'm a young 54 (55 in about a month) and I was completely confused. Part A. Part B. Part D. I was like, whoa, is there a Part C or even a Part Z? I started asking my Mom questions and her answers only left me with exponential questions. This vid was worth every second. And I liked how you didn't come across as me owing you a like, thumbs up or subscription. You asked, but you did it quite professionally. I value a great check list myself, so thank you for that. I was born in 1969 and the gov has changed retirement age 3-4xs. I rarely see those commercials anymore: "If you were born between 1950 & 1960... yah dah yah dah yah dah." Now it seems like there are penalties for aging. I will probably work until the very end, but after watching your vid, I feel soooo comfortable knowing that your firm exists and can hold my hand during this confusing process. AND its svcs are free. God bless you. AMEN!
Hey, Stephanie. Can you please reply to suncat9 question. We're getting a nice lil convo going about what if you get medicare but then get another job and your spouse is covered under company insurance. You're the best. Thank you.
You are correct. This is a free country. You don’t have to even pay Federal Income Tax if you’re not required to. And most aren’t required to pay it. Which is why in their own IRS code, it states that it is a “voluntary” tax.
Thanks, Stephanie
A note to those applying for medicare at 65: I waited until late the month before my birthday to apply for part A and medicare advantage, it took a few days to process my application; part A was made retroactive but the medicare advantage required my medicare in order to complete my application, I was not able to make it retroactive and it started the following month. Start the process early. Great video, thank you.
Great feedback, thanks!
First-time viewer and now a Subscriber. This was a very helpful video. Thanks for the information and I have passed it along to my friend.
Wonderful!
A quite informative video, thanks!!
Great Video. You must have Medicare creatable employer's insurance (In the Month of your 65 BIRTHDAY) . (Not) the first of the following Month.
You don’t have to have anything. This is a free country.
Very helpful info, Stephanie!
I don't comment much but you do an awesome job in your videos. 65 still working, BCBS insurance, not drawing any social security yet, not signed up for anything yet. I actually did not know I could go on the web site and sign up for part A and decline part B for now. I also did not know that the insurance company for a part D plan would need proof of insurance to avoid a penalty. I do have a question about pricing, or do you have a video on it. Curious as to which is better "Attained Pricing" or "Community Pricing" Thank You so much for what you do!
I have a video about that from a couple years ago (still accurate), but am working on a new video too! Here is the existing video on that topic -- czcams.com/video/txvHBbH2Nas/video.htmlsi=N5HV0FGj1Qe38V45
There all “attained age pricing” were I live
Thank you! Excellent, clear explanation about a confusing subject.
Without a doubt! I previously spent 4-5 hours reading the Govt Medicare Handbook, Social Security website, and various mailed flyers, still feeling uneasy as to the answers to my questions, but in this 14 minute video got all of my questions and concerns answered and addressed with full confidence! Thank you Stephanie!
Thank you. Very clear and informative.
I’m 68, still working, and not on SS. I am working as long as i possibly can!
Just remember, no one living today knows how long they have until the Grim Reaper shows up and says
" Please come with me ".
Remember, to get out and enjoy the rest of your time on this blue marble!!
I'd draw now and save it every month. Invest or whatever. That's what I'm going to do
Agreed. I am a 1963 model. I plan on working until 70. I enjoy what I do, get Healthcare, 401k match and can retire at 67. Save 36 months of SS checks on top of a decade of maxing my Roth. Then, I rest. Work and plan to live long, not die early. Peace and good health to all.
@@Rocinante1963
You may not plan on passing away early, but one never knows......
I've had countless classmates, friends, relatives, pass before their time. Most were pretty healthy!!.
And here's the catch, not a single one of them said boy, " wish I would have worked longer " as they were passing away.
Please, don't take this wrong, as I can't say what is best for you. Just saying sit back and give I some serious thought. Remember, we are only here once and there's no coming back.
You're crazy to do this because if something happens to you, you lose everything that you would have collected. You're leaving money on the table!
Thanks Stephanie! I love you and your channel.
Thank you!
Best explanation ever clarity is everything😇
Thank you !!
This is a ridiculously complicated system. What if I'm working past age 65 with employer provided medical insurance, then lose my job, then get Medicare, and then after I'm getting Medicare, get ANOTHER job with medical coverage?
Very, very good question.
...just chiming in...but you'd probably want to waive company coverage when you get another job and simply keep Medicare to avoid the yo-yo-ness of having to start the cycle over again. Let's see how Stephanie and/or her crew reply...
@@fredkanada3461 I agree. Medicare is going to be cheaper than what your employer provides in almost all cases.
It's really not hard. Turn 65 and get Medicare. It really is that easy.
Sad nobody answered this excellent question
@@jimroscoviusbut with your employer insurance you can cover your spouse or domestic partner but you can’t with medicare
Stephanie, you are the bomb!!!! Awesome video!!!
Great information. Unfortunately I have to advise most retirees to not get on a med advantage plan due to restrictions. You give up so much flexibility. Additionally it is a nightmare near impossible to get off of the plan afterwards.
Thank you.
Fantastic video. Well done Stephanie :)
This is entertaining reading. I have been taking classes and watching webinars so that when I retire 22 months from now I am a SSI, Medicare and State Retirement System expert. Every town or city has medicare experts like Stefhanie here that you can talk to. She and others like her can sift through all of the options for you, and she and others like her will not charge you anything.
So great that you are getting informed!
I turned 65 in Feb 2023 and took out Part A, it’s free. The paper work asked if I wanted Part B and said NO because I was going to still work until June 2023. I retired end of June and prior to retiring I applied to begin Part B in July 2023. I have my company’s insurance that I am able to keep going into retirement and use as my secondary (supplement) insurance and pay my normal employee premium . Now it’s almost March of 2024 and thus far has worked well. The case of the unknown, until you see how it will work.
Thank you! I might be giving you a call soon.
Thank you! Excellent video!
Glad it was helpful!
Thank you so much Stephanie , I really need this type of info and I subscribed to your channel.
Glad to have you here!
Great video! Extremely helpful and packed with fantastic information.
Glad it was helpful!
Your videos are clear and concise.
Thank you!
The insurance my employer supplied was so awful that I dropped it and went on Medicare as soon as I could. I'm so glad I did. I can now actually find suppliers that accept my insurance. That wasn't the case with the employer-provided insurance.
Thank you so much for your straightforward, easy to understand explanation of this topic.
Glad it was helpful!
Thank you. This was helpful 😊
Thank you for this information. I just turned 66. I work part time because I dont get enough social security benefits to cover living expenses. I am single and even tho Ive worked since age 16, wages were much lower back in the 70s and 80s. I waitressed, so official pay was low. Medicare is $175 a month. I only get enough socsec benefits to cover my rent, so all other bills are paid by my part time job. I honestly do not know how other single people are making it in these modern days of high prices. Is thete a better plan for people like me? I have parts A & B, not on meds and no major medical issues. What is that plan where they give you grocery money?
I definitely suggest you apply for Medicaid, to supplement your Medicare benefits and cover your coinsurances. Neither Medicare or Medicaid will cover your groceries but the two together should cover all your medical expenses.
Thank you for your clear and concise explanation. It is one for the easiest videos I've seen which explains this.
Thanks so much for watching!
Never knew about penalties but why do Government do that ? We should have the rights to apply when we are ready like why is it unnecessary so confusing. I am 59 so when time comes i will see this video again and follow the steps. I have co workers still working in their 70's full timers. This are workaholics . I have to ask them about health insurance. Thanks for the heads up !
❤❤❤
Thank you ❤
Excellent video!
Excellent video. It is so confusing working past 65 because everyone warns of the penalties. This is clear, easy to understand, and answered all my questions. I am finally comfortable I made the right decisions by not enrolling just yet.
Slightly different but related. When I do finally start part g, I will be a couple years older, 67, and therefore the startup will be higher than if I had started at 65. Can you drop employer insurance all together at their enrollment and then switch to ABDG while working one or 2 more years?
People are not choosing to work past 65, the economy is giving them no choice.
Employer subsidized Health Care is the biggest reason that I'm still working at 68 yo
@@bernadettesandoval3990 totally!
I’m a federal retiree since 2015 at age 62 and still have my federal Blue Cross Blue Shield health insurance through retirement benefits from the government and also has Medicare A and B. Medicare B will pay first and my federal Blue Cross Blue Shield will pay the rest and I have no copayments. Federal Blue Cross Blue Shield will reimburse me $800 each year for my Medicare B premiums.
This is the best explanation I have had, clarity is everything
Thank you!
My wife turned 65 and she already been getting social security. However, she's covered under my work insurance. I am 66 and have part A only plus have qualified insurance from work. She filled out the medicare card and sent it back before the deadline declining part B. But medicare still took part B premium out of her social security check anyway. She talked to someone in the SSA and they said it will eventually be processed and refunded to her. So far it's been 2 months and no change.
Excellent guidance and clear communication thank you!!☀️👏
You are so welcome
Why in god’s name are people penalized for signing up later for Medicare? So much for “land of the free”
Totally agree... government wants that premium money!
Wife turned 65 on ss and part a. I am working a few more years and have insurance. I was told it’s ok to contribute to HSA single not family so I switched to single HSA contribution. Hopefully this is correct.
Oh my, that is a lot to take in! I LIKED the video, I SUBSCRIBED to your channel and I will definitely be CALLING you! 😊
😊
Get into Medicare as soon as you can under a Medicare Supplemental plan, see any doctor you wish, have no insurance company pre-approvals to deal with, and enjoy your life. Avoid "Advantage" plans at all costs. Medicare plus Supplemental is great insurance.
This is EXCELLENT !! I feel more confident in my decision because of your relatable and kind demeanor. ( and of course, the info!)
You are so welcome!
Never thought I would have to work past 65. I’m 75 and work part time. Who can afford food or anything else with this economy? If your healthy and can work because your not well off, work.
Great information
Here is a different question, someone past 65, who retired and collects SSI and Medicare, but years later accepts an offer of employment. It is understood that if the new earned income exceeds a certain amount the SSI will be reduced by $0.50 for each dollar earned over that amount, but what about the Medicare? Will returning to work after age 66 have an affect on Medicare parts A, B, C or D?
I wish I had found this video a long time ago. Great info, well presented.
Glad it was helpful!
Thank you for all the information. I appreciate it.
It's so complicated, i didn't get it. It's too much in one dose.
Im 65. I enrolled in Medicare, because i had to.
However im not collecting my Social yet. I need money, im planning to get back to work. I will do it as an independent contractor. Just saying.
Thanks again.
You are welcome! Please feel free to call us any time for free assistance!
What disturbs me is that I’ve paid thousands of dollars over 40 years into this scam and now I’m forced to join and pay even more at some bureaucratic scale!
Correct!!! absolutely horrible, and to be penalized for the remainder of your life if you don't comply...
This is a FORCED TAXATION, I don't even work and we have Tricare prime. We will never need it. But being forced to PAY them for something we don't need and cannot afford. Id rather be homeless and never pay them a dime.
As someone who’s actually been homeless after being a Senior Data Analyst for a Fortune 500 company, and after my divorce, I’m pretty confident that you wouldn’t enjoy actually being homeless. It’s much much worse than you think it is. Never thought it could or would ever happen to me, but, SURPRISE! One minute you’re at home in your nice home watching TV about homeless people and thinking how could someone end up like that, and the next minute you’re one of those people! And it’s not the freedom you think it is.
I’m curious, are most people you know working past age 65? Or not?
I turn 65 in May and I will continue to work until 67. All of this is so confusing to me. LOL Are you licensed in NC?
Yes @@dawg7750 !
I'll turn 69 this year. Still working. Go retired next year, on my 70th birthday.
I became full time at a large national organization with creditable health insurance a few months after I turned age 70... 5 years after I'd been enrolled in Medicare A & B. Can I drop Medicare B & D until I retire without penalties? I pay premiums for work insurance & Medicare.
Thanks!
My mom worked full time till 75. She said she signed up for partial Medicare a/b at 65, and when she turned 75 and fully retired she went full a/b. She had good company insurance until she retired. She didnt do the advantage plan. She told me not to even bother. She signed up for gap insurance and prescription when she retired, it’s expensive! Is that because she waited until she retired? She also said, that her partial a/b took care of what her company insurance didn’t cover. I am looking into Medicare but my husband works full time and we have good medical coverage. I’m a bit confused if I should sign up or wait. Husband doesn’t plan on retiring when he turns 65 but who knows what will happen.
Thank you for this helpful video. If I work until 70 , and my employer has 1000 employees and I use their health insurance, you are saying that I don't have to notify medicare at 65? When I enroll at 70, do I need to indicate that I had health insurance over those 5 years? Okay, @8:20 you answered my question--thanks for the great video.
Thankyou! New subscriber here, and checking out your other videos. 👍
😊
Thank you, Stephanie. Last September I turned 65, had no idea where to start, and your videos helped me a lot. I don't collect social security yet, have health insurance from my wife's employer and applied for Medicare part "A" only. When my wife retires we both will need help to make a wise decision. My guess is that you can help with that regardless of the state we live in. Is it correct?
Yes! We can help.
I'm 65, still working, and on my employer's plan. Ended up delaying Medicare by default as I am enrolled in a health savings plan and didn't know that I had to discontinue contributions to that 6 months in advance of enrollment in Medicare. So be aware that if you have an HSA You need to discontinue it 6 months prior to enrollment.
You are correct - I covered that in the video, as it’s an important point!