KBenefits Insurance Services
Health - Life - Medicare

Medicare-eligible - Turning 65?

Medicare Explained

When To Enroll in Medicare Part A & B:
You can begin to enroll in Medicare A and B three months before and after your 65th birthday.  Usually, your effective date will be the 1st of the month you turn 65. 

How To Enroll In Part A & B:

  • Online at www.SocialSecurity.gov
  • Call Social Security at:  1-800-772-1213
  • Your local Social Security office

What Services does Part A & B partially cover?

  • Part A:  Inpatient hospital stays, skilled nursing facility, hospice and home health care.  
  • Part B:  Doctor visits, outpatient care, medical supplies and preventive services.

Does Part A & B cover everything?
No, you have annual deductibles and coinsurance for hospital and medical services.  A&B does not cover your prescription.  To help with these out of pocket expenses, you have plan options:

How to Apply Online just for Medicare A & B.
If you are within three months of turning age 65 or older and not ready to start your monthly Social Security benefits yet, you can use our online retirement application to sign up just for Medicare and wait to apply for your retirement or spouses benefits later. It takes less than 10 minutes, and there are no forms to sign and usually no documentation is required.

Apply for Medicare Part A and B

Video Introduction:  Helpful hints for applying online-1 minute

Social Security enrolls you in Original Medicare Part A & Part B.

  1. Medicare Part A- hospital insurance - helps pay for inpatient care in a hospital or limited time at a skilled nursing facility (following a hospital stay). Part A also pays for some home health care and hospice care.
  2. Medicare Part B- medical insurance - helps pay for services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

Once enrolled in Medicare A & B, choose 1 of 2 options:

  • Supplemental (Medigap) policies help pay Medicare out-of-pocket copayments, coinsurance, and deductible expenses.
  • Medicare Part D Rx coverage.  Paired with a Supplement plan. Helps cover the cost of prescription drugs.
  • Medicare Advantage Plan (MAPD) (Part C) includes all benefits and services covered under Part A, B & D and discount benefits such as vision, hearing, and dental — bundled together in one plan.

Plan D star ratings
Medicare's Star Rating System measures the performance of Medicare Advantage and Part D plans.  The Rating System scores how well plans perform in several categories:  quality of care and customer service.  Ratings range from 1.0 to 5.0 stars, with five being the highest and one being the lowest. 


You can use the overall star rating to compare performance among several different plans but it's most important to make sure the plan you choose has your prescriptions covered their their formulary list.  


Medicare reviews plan performance yearly and releases new star ratings each fall. - click here to view your carriers star rating

Choosing a Medigap Policy
2020 - Medigap Policy.pdf
Adobe Acrobat document [884.4 KB]
Medicare and You
Medicare You 2021.pdf
Adobe Acrobat document [3.1 MB]
Your Medicare Benefit
Your Medicare Benefits 2021.pdf
Adobe Acrobat document [2.1 MB]

Summary of Medicare Premiums:

  • Medicare A:  $0/month*
  • Medicare B:  based on income starts at $170.30/mo* - (see IRMAA)
  • Medicare Supplement (or Part C - MAPD)
  • Medicare D Prescription:   Plan premium + possible IRMAA

Contact us for questions, plan options and free enrollment assistance.

Christopher S. Kudryk

KBenefits Insurance Services
Health - Life - Medicare

Christopher S. Kudryk
Insurance Specialist

KBenefits Insurance Services provides insurance solutions for small business owners and individuals in New Jersey, New York, Pennsylvannia & Florida..

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