Question Library
Got a Medicare Question?
Real questions people ask us every day, answered by Colorado Springs Medicare nerds.
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Do I have to sign up for Medicare when I turn 65?Turning 65Not always.- I'm still working at 65. Do I need Medicare?Turning 65Maybe not yet.
- I'm covered by my spouse's employer. Do I need Medicare?Turning 65Often not right away.
I'm retiring after 65. How do I sign up for Medicare?Retiring After 65You'll apply for Part B (and Part A if you don't already have it) through Social Security using a Special Enrollment Period, with a form from your employer confirming your coverage.- When should I stop contributing to my HSA before starting Medicare?Retiring After 65If you're signing up for Medicare after 65, many people stop HSA contributions about 6 months before they apply, because Part A coverage can be backdated up to 6 months.
What's the difference between Medicare Advantage and Medicare Supplement?Advantage & SupplementMedicare Advantage replaces how Original Medicare works with an all-in-one plan that usually has a network, copays and an annual out-of-pocket limit.
Do I need Medicare Part D if I don't take medications?Prescription DrugsUsually, yes, or you need other creditable drug coverage.
Turning 65
Retiring After 65
- I'm retiring after 65. How do I sign up for Medicare?Retiring After 65You'll apply for Part B (and Part A if you don't already have it) through Social Security using a Special Enrollment Period, with a form from your employer confirming your coverage.
- When should I stop contributing to my HSA before starting Medicare?Retiring After 65If you're signing up for Medicare after 65, many people stop HSA contributions about 6 months before they apply, because Part A coverage can be backdated up to 6 months.