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Well, I will be 65 in December.


I understand I can sign up for Medicare beginning in September, but how is the transition from an Obamacare individual health insurance policy to Medicare supposed to be made?

Seattle Pioneer



If you have ever been bothered because no one remembered your birthday, fear not. I started receiving mail from insurance companies 5 or 6 months before my 65th birthday.

You need to sign up for Medicare 3 months early. Your birthday is in December, so your effective date (if you sign up early enough) will be December 1. The first date you can enroll is September 1. If you do not sign up in September, your effective date will be delayed. Sign up in October and you effective date will be January 1.

So, be prepared (where have I heard that motto before?). If you are signing up for traditional Medicare only, that's not too difficult. If you want a Medigap, Medicare Advantage, and/or Prescription Plan, you'll have to do some research and that will take some time on a computer at medicare.gov.

Karen
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