Why It’s Important to Apply for Medicare Once You Turn 65

As you approach your 65th birthday, it’s essential to start thinking about Medicare. Millions of Americans over the age of 65 as well as those with specific disabilities or chronic diseases, are covered by Medicare, a federal health insurance program. Here are some reasons why it’s essential to apply for Medicare once you turn 65:

Top 6 reasons To Apply For Medicare Once You turn 65

  1. Avoiding Late Enrollment Penalties

Avoiding late enrollment fees is a significant incentive to join Medicare at age 65. If you join Medicare after the initial enrollment period you will be subject to a penalty (the three months before your 65th birthday to the three months after). Your premiums could increase by 10% for each year that you were Medicare eligible but chose not to enroll.

  1. Access to Preventive Services

Medicare covers preventive services, including annual wellness visits, cancer screenings, and vaccinations. If you are eligible for Medicare, you can take advantage of these resources to maintain your health. Doing so allows you to identify potential health problems at an earlier, more manageable stage.

  1. Protection Against High Medical Costs

Another reason to apply for Medicare once you turn 65 is to protect yourself against high medical costs. Medicare covers various medical treatments, such as doctor visits, hospital stays, and pharmaceuticals. This can help you avoid the high out-of-pocket costs of healthcare services.

  1. More Affordable Healthcare

By enrolling in Medicare, you can get more affordable healthcare. Medicare provides coverage at lower rates than many private insurance plans, and it has limits on out-of-pocket expenses. Especially as you age, this might be a significant aid in reducing the overall cost of medical care you require.

  1. Access to a Wide Network of Providers

Medicare provides access to many healthcare providers, including doctors, hospitals, and specialists. If you have a chronic condition or need specialized care having access to this data can be helpful. By enrolling in Medicare, you can ensure that you have access to the care you need when you need it.

  1. Additional Coverage Options

It’s worth noting that Medicare offers a range of additional coverage options, including Medicare Advantage plans, which provide coverage for services not covered by original Medicare, such as dental and vision care. Private insurance companies offer these plans and can be a good option for those looking for more comprehensive coverage.

Facts about Old Age Medicare Plans

  1. Medicare is the primary source of health insurance for nearly 60 million people in the United States.
  2. Hospitalization, doctor’s visits, and pharmaceuticals are some benefits you get from Medicare.
  3. Part D of Medicare is dedicated to covering the cost of pharmaceuticals.

Tips to Apply for Medicare Plans

  1. Start the process early: Considering Medicare before your 65th birthday is essential. This will give you plenty of time to research your options and make an informed decision about your healthcare coverage.
  2. Understand your options: There are a variety of different Medicare plans and coverage options available, so it’s essential to understand which ones will be right for you. This can involve talking to a healthcare professional, researching different plans online, or contacting an insurance provider for guidance.
  3. Consider your healthcare needs: When choosing a Medicare plan, it’s essential to consider your specific healthcare needs.
  4. Be aware of enrollment periods: There are specific enrollment periods for Medicare, including an initial enrollment period when you turn 65 and annual enrollment periods in the fall. Be sure to keep these deadlines in mind and enroll in Medicare during the appropriate period.
  5. Don’t be afraid to ask for help: Applying for Medicare can be a complex process, so don’t be afraid to ask for help. This also means contacting a healthcare professional such as, Omaha insurance solutions, or Medicare for assistance.


Applying for Medicare once you turn 65 is essential to protect your health and financial well-being. By enrolling in Medicare, you can avoid late enrollment penalties, access preventive services, protect yourself against high medical costs, get more affordable healthcare, access a vast network of providers, and take advantage of additional coverage options. So, if you’re approaching your 65th birthday, explore your Medicare options and consider enrolling in this valuable program.

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