If you’re over 65 and still working—or covered through your spouse’s job—you may not have needed Medicare yet. But once you retire or lose employer coverage, it’s time to take action.
At American Insurance Counselors, we make Medicare enrollment easy and help you choose the right coverage for your retirement—whether that’s a Medicare Supplement or a Medicare Advantage Plan.
Do You Need to Enroll in Medicare Now?
If your (or your spouse’s) employer has 20 or more employees and you’ve had coverage through active employment, you likely delayed Medicare enrollment. When that coverage ends, you qualify for a Special Enrollment Period (SEP).
- Your SEP lasts 8 months from the date your employer coverage ends.
- During this time, you can enroll in Medicare Part A and Part B without late penalties.
We’ll Guide You Through Enrollment
You can enroll in Medicare through the Social Security Administration:
- Visit www.ssa.gov
- If you already have Medicare Part A, you’ll only need to sign up for Part B
Need help?
We’ll walk you through the entire process—by phone, Zoom, or in person.
No pressure. No cost. Just clear answers and trusted advice.
Call us at 314-890-9200
Or Click Here to Schedule a Free Consultation
Important: HSA Considerations
If you’re still contributing to a Health Savings Account (HSA), Medicare enrollment needs careful timing:
- Once enrolled in Medicare Part A, you can no longer contribute to your HSA.
- Part A is often backdated up to six months, which could create tax penalties if you contributed during that time.
We’ll help you time your Medicare enrollment to avoid costly surprises.
Choose the Medicare Plan That Fits Your Retirement
Once enrolled in Medicare Parts A & B, you have two main ways to receive your Medicare benefits:
Medicare Advantage Plan (Part C)
- Combines Part A, Part B, and usually Part D (prescriptions)
- May include dental, vision, hearing, and wellness benefits
- Often lower monthly premiums with co-pays and provider networks
Medicare Supplement Plan (Medigap) + Part D
- Helps cover out-of-pocket costs like deductibles and coinsurance
- See any provider that accepts Medicare—no networks
- Add a standalone Part D plan for prescription drug coverage
We represent multiple top-rated carriers and will help you compare plans side-by-side to find the best value for your needs and budget.
We Make Medicare Simple
- Independent, expert advice
- No cost to you—your premium is the same
- Trusted by clients for over 40 years
Let us help you transition to Medicare the right way.
Call us today at 314-890-9200
Or Schedule Your Free Medicare Consultation
(314) 890-9200