Why Preparing Early for Medicare Matters (Even Before Age 64)

Preparing for Medicare FAQ

• How does early Medicare planning help with premium costs?

  Medicare uses a 2-year look-back on your income to calculate your Part B and D premiums.

  If your income was high two years ago, your premiums may be higher — but if you’ve had a life-changing event (like retirement), we can plan for that now and potentially lower your costs later using the SSA-44 form.

• What if I have better prescription coverage now?

  That’s common. Many employer or group plans have stronger drug coverage than Medicare Part D. We’ll help you:

  • Review your current medications

  • Identify any that may not be covered or may cost more under Medicare

  • Make smart adjustments before switching

• What about my spouse or dependents?

  If your spouse or dependents are not yet eligible for Medicare, we’ll help find affordable, ACA-compliant options or group plan extensions. COBRA is not always the best choice, and we’ll help you decide what is.

• How can I stop cold calls at age 64?

  Once you turn 64, you’ll likely be bombarded with calls, emails, and mailers.

  We can help you:

  • Limit cold calls

  • Recognize illegal sales tactics

  • Report violators to protect others