{"id":66,"date":"2016-09-29T22:42:07","date_gmt":"2016-09-29T22:42:07","guid":{"rendered":"http:\/\/www.bridlewood-saunders.com\/?page_id=66"},"modified":"2026-09-12T18:10:59","modified_gmt":"2026-09-12T18:10:59","slug":"already-65-and-retiring-soon","status":"publish","type":"page","link":"https:\/\/www.bridlewood-saunders.com\/?page_id=66","title":{"rendered":"Already 65 and Retiring Soon"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” custom_padding_last_edited=”on|desktop” admin_label=”Section” _builder_version=”4.0.11″ background_color=”#ffffff” custom_margin=”0px||0px||false|false” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” global_module=”346″ global_colors_info=”{}”][et_pb_fullwidth_slider show_pagination=”off” _builder_version=”4.16″ header_font=”Lato|on|||” header_text_color=”#ffffff” body_font=”Lato|on|||” body_text_color=”#ffffff” body_font_size=”20″ custom_padding=”|||” custom_padding_tablet=”|||” custom_padding_phone=”|||” auto=”on” auto_speed=”5000″ box_shadow_style=”preset6″ box_shadow_blur=”10px” box_shadow_color=”rgba(0,0,0,0.1)” remove_inner_shadow=”off” hide_content_on_mobile=”off” hide_cta_on_mobile=”off” show_inner_shadow=”on” button_letter_spacing_hover=”0″ global_colors_info=”{}” button_text_size__hover_enabled=”off” 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_builder_version=”4.16″ header_font=”||||” body_font=”||||” background_color=”#ffffff” background_image=”https:\/\/www.bridlewood-saunders.com\/wp-content\/uploads\/2022\/10\/Pier-Sunset.jpg” background_enable_image=”on” button_icon_placement=”right” button_on_hover=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” 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align_last_edited=”on|desktop” admin_label=”Image” _builder_version=”4.16″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” animation=”off” sticky=”off” always_center_on_mobile=”on” global_colors_info=”{}”][\/et_pb_image][et_pb_sidebar area=”sidebar-1″ show_border=”off” admin_label=”Sidebar” _builder_version=”4.16″ body_font=”Lato||||” body_text_color=”#000000″ body_font_size=”15″ remove_border=”on” global_colors_info=”{}”][\/et_pb_sidebar][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font=”Lato|on|||” text_text_color=”#000000″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]<\/p>\n

\u21fe\u00a0I’m over 65 and retiring soon<\/p>\n

[\/et_pb_text][et_pb_accordion open_toggle_text_color=”#000000″ open_toggle_background_color=”#eeb544″ closed_toggle_text_color=”#ffffff” closed_toggle_background_color=”#0a79c1″ icon_color=”#000000″ admin_label=”Accordion” _builder_version=”4.16″ toggle_text_color=”#000000″ toggle_font=”Lato|on|||” body_font=”Lato||||” body_text_color=”#000000″ body_font_size=”15″ custom_padding=”10px|10px|10px|10px” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”][et_pb_accordion_item title=”Medicare: I’m Over 65 and Retiring” open=”on” open_toggle_text_color=”#000000″ open_toggle_background_color=”#eeb544″ closed_toggle_text_color=”#ffffff” closed_toggle_background_color=”#0a78c1″ icon_color=”#000000″ _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” background_enable_color=”on” custom_padding_tablet=”0px||0px|” custom_padding_phone=”0px||0px|” global_colors_info=”{}”]If you are planning to retire within the next year, it\u2019s time to start thinking about Medicare and your coverage options. Understanding how Medicare works and transitioning to new medical coverage can seem confusing and overwhelming. We are here to make it easier.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”Who is eligible for Medicare?” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Medicare is a federal health insurance program that serves people ages 65 and older or people with qualifying disabilities. To qualify for Medicare, you must be a legal resident living in the United States for at least five consecutive years and meet one of the following requirements:<\/p>\n

\u21a6\u00a0Age 65 or older
\n\u21a6\u00a0Younger than 65 with a qualifying disability (a medical or physical condition lasting, or expected to last, more than 12 months and that prevents you from working)
\n\u21a6\u00a0Any age with end-stage renal disease (permanent kidney failure requiring dialysis or kidney transplant)<\/p>\n

Some people may also be \u201cdual eligible,\u201d meaning they are eligible for both Medicare<\/strong> and Medicaid<\/strong>, also known as MediCal<\/strong>. When enrolling in Medicare for the first time, there are many health plan options you can consider. Your choices can be divided into three options: Original Medicare<\/strong>, Medicare Advantage <\/strong>or insurance provided by your employer.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about original Medicare” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Original Medicare is a fee-for-service plan managed by the federal government. When you sign up, you receive a Medicare card, which makes you eligible for Medicare-approved services. Original Medicare allows you to choose any doctor, hospital or other facility that accepts Medicare.<\/p>\n

Original Medicare includes<\/strong>:
\n\u21a6\u00a0Medicare Part A (hospital coverage)
\n\u21a6\u00a0Medicare Part B (outpatient coverage)
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about Medicare Part A” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Medicare Part A provides hospital coverage, skilled nursing facility care, hospice care and home health care. Most people do not pay a monthly premium for Medicare Part A; you or your spouse paid for this through payroll taxes while working. With Medicare Part A you are responsible for costs when receiving inpatient care.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about Medicare Part B” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Medicare Part B provides outpatient services like visits to your primary care doctor or specialists, outpatient surgery, ambulance, outpatient medical health, durable medical equipment, outpatient physical therapy and outpatient lab work.<\/p>\n

There is a monthly premium for Medicare Part B, which is determined by your modified adjusted gross income reported on your tax return from two years prior. Depending on your income, you may pay more or less per month for your Medicare Part B coverage.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about Medicare Part C – Medicare Advantage” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Medicare Advantage plans<\/strong>, also known as Part C plans<\/strong>, provide coverage beyond Original Medicare Parts A (hospital coverage) and B (outpatient coverage). These plans are offered through private insurance companies, not the federal government. A Medicare Advantage plan is an alternative to having a Part D and Medicare Supplement plan. You cannot have both a Medicare Advantage plan and a Medicare Supplement plan.<\/p>\n

Medicare Advantage p<\/strong>lans offer the same coverage as Medicare Parts A and B, and may include prescription drug coverage, plus extra benefits like vision, hearing and dental, as well as access to care management services. These plans also provide financial protection through annual limits on out-of-pocket expenses. Medicare Advantage plans offer a low or no-cost monthly health plan premium beyond what you pay for Part B and give you access to care from doctors and hospitals that are within the plan\u2019s network.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about Medicare Part D – Prescription Drug Coverage” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Parts A and B of Original Medicare do not include drug coverage. If you want to add drug coverage, you will need to choose a Part D plan and pay a monthly premium.<\/p>\n

These plans are offered through private insurance companies, not the federal government. The cost for a Part D plan, and the drugs included in the plan, varies based on the plan you choose.<\/p>\n

If you go 63 days or more without a Part D plan (or other credible drug coverage) after your initial enrollment period is over, you may owe a late-enrollment penalty. The late-enrollment penalty is calculated by multiplying 1 percent of the national base premium for a Part D plan by the number of full uncovered months you were eligible but didn\u2019t join a Medicare prescription drug plan.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”How to enroll in original Medicare after age 65″ _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Enrolling in Medicare Part A (hospital coverage)<\/strong>
\nIf you were already receiving Social Security benefits when you turned 65, you were automatically enrolled in Medicare Part A and should have received your Medicare card in the mail around your 65th birthday. If you are not receiving Social Security benefits, you may apply for Part A. You can apply online at http:\/\/www.ssa.gov\/medicare or in person at your local Social Security office. Call 1-800-772-1213<\/strong> to confirm Social Security office hours and holiday closures.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”San Diego Social Security Office locations” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]\u21a6\u00a01333 Front Street, San Diego, CA 92101
\n\u21a6\u00a08505 Aero Drive, San Diego, CA 92123
\n\u21a6\u00a0626 L Street, Chula Vista, CA 91911
\n\u21a6\u00a0367 Via Vera Cruz, San Marcos, CA 92078
\n\u21a6\u00a02160 S El Camino Real, Oceanside, CA 92054
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”Enrolling in Medicare Part B (Outpatient coverage)” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]If you are retiring from work and will no longer have insurance through your employer and you are enrolling in Medicare Part B after age 65, there are important steps you need to take to avoid a late-enrollment penalty. Before you retire, Social Security requires your employer to complete the Request for Employment Information form, which states the date through which you had creditable coverage. This form will exempt you from the late-enrollment penalty.<\/p>\n

To learn more about how to avoid late-enrollment penalties, attend a no-cost educational Medicare meeting. If you have Original Medicare, you can choose to go to any doctor or hospital that accepts Medicare. All Sharp-affiliated doctors, hospitals and medical groups accept Original Medicare. If you are considering Original Medicare (Parts A and B), you may also want to consider enrolling in a Part D prescription drug plan or a Medicare Supplement insurance plan. These are both optional add-ons to Original Medicare.
\n[\/et_pb_accordion_item][et_pb_accordion_item title=”All about Medicare Supplement Insurance Plans (Medigap)” _builder_version=”4.16″ global_colors_info=”{}” open=”off”]Medicare Supplement Insurance Plans<\/strong>, also known as Medigap<\/strong> plans, cover \u201cgaps\u201d in Parts A and B of Original Medicare. Gaps are costs that you are responsible for, such as deductibles and copays. The policy cost and coverage depend on the plan you select. These plans are offered through private insurance companies, not the federal government. When you choose a Medicare Supplement plan, you can continue to go to any hospital or physician that accepts Medicare. Sharp accepts all Medicare Supplement <\/strong>plans.
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Not affiliated with or endorsed by the government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Currently we represent 12 organizations which offer 76+ products in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all your options<\/span><\/p>\n

\u00a9Copyright 2027\u00a0<\/span>Saunders Insurance Solutions<\/span>\u00a0<\/span>All rights reserved<\/p>\n

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\u21fe\u00a0I’m over 65 and retiring soon If you are planning to retire within the next year, it\u2019s time to start thinking about Medicare and your coverage options. Understanding how Medicare works and transitioning to new medical coverage can seem confusing and overwhelming. We are here to make it easier. Medicare is a federal health insurance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-66","page","type-page","status-publish","hentry"],"yoast_head":"\nMedicare Options when you are over 65<\/title>\n<meta name=\"description\" content=\"planning to retire at an age of 65? it's time to register for medicare at 65. 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