KBenefits Insurance Services
Medicare Supplements - Health Plans - Drug Plans

Getting started with Medicare

First step, enroll in Medicare A & B:
Turning 65?   This is your Initial Enrollment Period.   Your  Initial Enrollment Period usually begins 3 months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65.  

Typically, your Medicare A & B effective date will be the 1st of the month in which you turn 65.   ie. 5/22 birthday would be a 5/1 effective date


You can enroll in Medicare Part A & B in the following ways:

  • Online at www.SocialSecurity.gov
  • Calling Social Security at 1-800-772-1213
  • At your local Social Security office




Choosing a Medigap Policy - Guide
2019 - Guide to health insurance - Medic[...]
Adobe Acrobat document [1.7 MB]

Helpful Resources
Link to Medicare.gov -

Link to Social Secuirty Administration - click

Link to Centers for Medicare and Medicare Services - click


What is Medicare A & B?

Medicare Part A - Hospital insurance covers inpatient hospital stays, skilled nursing facility, hospice, and home health care.   Medicare Part B - Medical insurance covers doctor visits, outpatient care, medical supplies and preventive services.

Does Medicare A & B cover everything?  No, out of pocket costs include deductibles and coinsurance.  Once you are enrolled in Medicare A & B, you can enroll in a Medicare supplement plan also known as a Medigap plan along with Part D prescription coverage (or) Medicare health plan.

Both Medicare supplements,  Medicare health plans and Part D prescription plans are offered by private insurance companies approved by Medicare.   With either choice, you continue to pay a monthly Part B premium to Medicare which is handled thru the Social Security office. 

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KBenefits, LLC
Christopher S. Kudryk

Call:  732-333-1976
Fax:   732-444-5971

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