{"id":653,"date":"2023-05-06T02:02:34","date_gmt":"2023-05-06T02:02:34","guid":{"rendered":"https:\/\/ofoinsurance.com\/?page_id=653"},"modified":"2024-02-21T02:11:22","modified_gmt":"2024-02-21T02:11:22","slug":"steps-to-enroll","status":"publish","type":"page","link":"https:\/\/ofoinsurance.com\/medicare\/steps-to-enroll\/","title":{"rendered":"Steps to Enroll"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"653\" class=\"elementor elementor-653\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a66cd23 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-height-default\" data-id=\"3a66cd23\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div 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aria-hidden=\"true\" role=\"presentation\" class=\"eicon-menu-bar\"><\/i>\t\t\t<span class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" role=\"navigation\" aria-hidden=\"true\"><ul id=\"menu-2-ab8c3e6\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-426\"><a href=\"https:\/\/ofoinsurance.com\/medicare\/\" class=\"elementor-item\" tabindex=\"-1\">Medicare<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-854\"><a href=\"https:\/\/ofoinsurance.com\/medicare\/what-is-medicare\/\" class=\"elementor-item\" tabindex=\"-1\">&#8211; What is Medicare<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-859\"><a href=\"https:\/\/ofoinsurance.com\/medicare\/medicare-options\/\" class=\"elementor-item\" tabindex=\"-1\">&#8211; Medicare Options<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-849\"><a href=\"https:\/\/ofoinsurance.com\/medicare\/steps-to-enroll\/\" class=\"elementor-item\" tabindex=\"-1\">&#8211; Steps to Enroll<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-283\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.healthsherpa.com\/?_agent_id=maria-graft\" class=\"elementor-item\" tabindex=\"-1\">Find an affordable health plan<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-285\"><a target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.medicareenroll.com\/?purl=r1YIITjR\" class=\"elementor-item\" tabindex=\"-1\">SHOP for your Medicare Plan\u200b<\/a><\/li>\n<\/ul><\/nav>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column 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elementor-widget-text-editor\" data-id=\"b717c52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><a style=\"color: white;\" href=\"https:\/\/ofoinsurance.com\/medicare\/\">Medicare<\/a> | Steps to Enroll<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd66ab elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5fd66ab\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Enrolling in Medicare<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f74bab elementor-widget elementor-widget-spacer\" data-id=\"1f74bab\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5424982 elementor-widget elementor-widget-text-editor\" data-id=\"5424982\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Timing is everything when you\u2019re enrolling in Medicare, and a lot depends on your specific situation. That\u2019s why we organized this enrollment information based on life circumstances.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98d6db4 elementor-widget elementor-widget-spacer\" data-id=\"98d6db4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c21c2d2 elementor-widget elementor-widget-text-editor\" data-id=\"c21c2d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">When you turn 65<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e44e08 elementor-widget elementor-widget-text-editor\" data-id=\"6e44e08\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Turning 65 is a big life event, and thousands of baby boomers are doing it every day. Here\u2019s what you need to know right off the bat:<\/p><p>\u00a0<\/p><ul><li>\u200bYou must be 65 to enroll in Medicare\u2014your spouse\u2019s age doesn\u2019t count.<\/li><li>You may enroll in Medicare even if you\u2019re not collecting Social Security yet.<\/li><li>You may enroll in Medicare even if you work past age 65 and have employer coverage, or you are 65 and have coverage through your spouse\u2019s employer.<\/li><\/ul><p>\u00a0<\/p><p>Your first chance to sign up for Medicare is called your Initial Enrollment Period (IEP). It happens around your 65th birthday and lasts a total of 7 months. It includes your birthday month plus the 3 months before and the 3 months after. It\u2019s best to sign up early to avoid gaps in coverage and late enrollment penalties.<\/p><p>\u00a0<\/p><p>You may be enrolled in Medicare automatically if you currently receive Social Security or Railroad Retirement Board benefits. You\u2019ll receive your Medicare card in the mail a few months before your 65th birthday. You still have an IEP during which you may make Medicare coverage decisions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc2ff4e elementor-widget elementor-widget-image\" data-id=\"cc2ff4e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"540\" height=\"300\" src=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-initial-enrollment-period-edit-copy.webp\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-initial-enrollment-period-edit-copy.webp 540w, https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-initial-enrollment-period-edit-copy-300x167.webp 300w\" sizes=\"(max-width: 540px) 100vw, 540px\" style=\"width:100%;height:55.56%;max-width:540px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f2fe06 elementor-widget elementor-widget-text-editor\" data-id=\"5f2fe06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Working past 65<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4560ebc elementor-widget elementor-widget-text-editor\" data-id=\"4560ebc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A lot of people reach the age of Medicare eligibility and continue to work. Many have health insurance through their employers. What about Medicare?<\/p><p>\u200b<\/p><p>Here\u2019s what you need to know:<\/p><p>\u00a0<\/p><ul><li>You still have a Medicare Initial Enrollment Period (IEP) when you turn 65. You may want to enroll in Part A during this time. It\u2019s premium free, as long as you or your spouse worked and paid Medicare taxes for at least 10 years.<\/li><li>You have to be proactive and enroll in Medicare yourself. Medicare doesn\u2019t notify you about your IEP unless you currently get Social Security or Railroad Retirement Board benefits.<\/li><li>You may qualify for a Medicare Special Enrollment Period (SEP) that allows you to delay enrolling in Part B and Part D without incurring late enrollment penalties. You need to get confirmation of creditable coverage from your employer.<\/li><\/ul><p>\u00a0<\/p><p><strong>Retirement and Medicare Basics<\/strong><\/p><p>\u00a0<\/p><p>Retiring soon? Know the Medicare basics. Your Medicare health coverage choices can vary based on your age and whether you have retiree coverage through your employer or plan sponsor. Find out what you need to know and the questions to ask to help you retire with peace of mind.<\/p><p>\u00a0<\/p><p><strong>Get Your Medicare Special Enrollment Period Dates<\/strong><\/p><p>\u00a0<\/p><p>Your SEP, if you qualify for one, begins when you retire or your employer insurance ends\u2014whichever comes first.<\/p><p>\u00a0<\/p><p>Talk with your employer health insurance plan administrator before you make any decisions. You need to understand if, and how, your plan may work with Medicare. You may be required to take full Medicare benefits (Parts A and B) at age 65 in some situations, such as if your employer has fewer than 20 employees.<\/p><p>\u00a0<\/p><p>During your SEP, you may:<\/p><p>\u00a0<\/p><ul><li>Enroll in Part B, and Part A, if you haven\u2019t already. You have 8 months to enroll.<\/li><li>Enroll in a Medicare Advantage (Part C) or a prescription drug (Part D) plan. You have 2 months to enroll.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3dacbf elementor-widget elementor-widget-image\" data-id=\"b3dacbf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"300\" src=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-special-enrollment-period-edit_OFO.webp\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-special-enrollment-period-edit_OFO.webp 640w, https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-special-enrollment-period-edit_OFO-300x141.webp 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" style=\"width:100%;height:46.88%;max-width:640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7743fc elementor-widget elementor-widget-text-editor\" data-id=\"c7743fc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You are not eligible for this SEP when COBRA or retiree coverage ends. However, you may be eligible for a different SEP. Talk with your plan administrator or call the Medicare helpline for more information.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f182480 elementor-widget elementor-widget-spacer\" data-id=\"f182480\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b92c1bf elementor-widget elementor-widget-text-editor\" data-id=\"b92c1bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">If You&#8217;re on Disability<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60d1f58 elementor-widget elementor-widget-spacer\" data-id=\"60d1f58\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c314e35 elementor-widget elementor-widget-text-editor\" data-id=\"c314e35\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You may be eligible for Medicare before age 65 if you have a qualifying disability. Eligibility usually starts after you\u2019ve received disability benefits for 24 months.<\/p><p>Here\u2019s what you need to know:<\/p><ul><li>You\u2019ll be automatically enrolled in Original Medicare (Parts A and B). Your Medicare card will arrive in the mail a few weeks before your eligibility date.<\/li><li>Your coverage starts the first day of the month you receive your 25th disability check.<\/li><li>You still have an Initial Enrollment Period (IEP) when you may make decisions about your Medicare coverage.<\/li><\/ul><p>\u00a0<\/p><p>Your IEP is 7 months long. It includes your 25th month of disability, the 3 months before and the 3 months after.<\/p><p>\u00a0<\/p><p><strong>How to Use Your Initial Enrollment Period<\/strong><\/p><p>\u00a0<\/p><p>If you do nothing during your IEP, you will be covered by Original Medicare (Parts A and B). However, Original Medicare doesn\u2019t cover everything.<\/p><p>\u00a0<\/p><p>Your IEP is when you may make other Medicare coverage choices based on your needs, such as adding a prescription drug (Part D) plan and Medicare supplement insurance or choosing a Medicare Advantage (Part C) plan. It\u2019s best to act early to avoid gaps in coverage and possible late enrollment penalties.<\/p><p>\u00a0<\/p><p><strong>Medicare and Disability: Other Coverage<\/strong><\/p><p><br \/>If you have other coverage, such as through an employer, you may choose to delay Part B. Follow the directions on the back of your Medicare card to notify Medicare of your decision.<\/p><p>\u00a0<\/p><p>\u200bNote that you could be charged a Part B premium penalty if you decide to enroll in Part B later. Your employer must provide creditable coverage, so you may qualify for a Special Enrollment Period and avoid the penalty.<\/p><p><br \/><strong>If You Miss Initial Enrollment<\/strong><\/p><p><br \/>Medicare provides a General Enrollment Period (GEP) every year for people who missed signing up when they were first eligible. It\u2019s like make-up time for Medicare enrollment.<\/p><p>\u00a0<\/p><p>\u200bThe GEP is January 1 \u2013 March 31 every year. Here\u2019s what you need to know:<\/p><p>\u00a0<\/p><ul><li>You can enroll in Part A, Part B or both during this time.<\/li><li>Coverage begins on July 1 of the same year.<\/li><li>You may have to pay a late enrollment penalty.<\/li><li>You may be eligible enroll in a Medicare Advantage (Part C) or a prescription drug (Part D) plan April 1 \u2013 June 30 of the same year.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b944d9d elementor-widget elementor-widget-image\" data-id=\"b944d9d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"360\" src=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-general-enrollment-period-edit_OFO2.webp\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-general-enrollment-period-edit_OFO2.webp 720w, https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-general-enrollment-period-edit_OFO2-300x150.webp 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" style=\"width:100%;height:50%;max-width:720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e579c20 elementor-widget elementor-widget-text-editor\" data-id=\"e579c20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> Changing Plans After Enrolling in Medicare <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e66dc15 elementor-widget elementor-widget-text-editor\" data-id=\"e66dc15\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tOnce you\u2019re enrolled in Parts A and B, you have a chance to change plans once a year during Medicare Open Enrollment, Oct. 15 \u2013 Dec. 7. You may also qualify for a Medicare Special Enrollment Period (SEP). A SEP allows you to change plans outside of Medicare Open Enrollment in certain situations, such as if you move.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ffce6 elementor-widget elementor-widget-image\" data-id=\"01ffce6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"360\" src=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-open-enrollment-period-edit_OFO.webp\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-open-enrollment-period-edit_OFO.webp 720w, https:\/\/ofoinsurance.com\/wp-content\/uploads\/2023\/05\/medicare-open-enrollment-period-edit_OFO-300x150.webp 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" style=\"width:100%;height:50%;max-width:720px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c401e12 elementor-widget elementor-widget-text-editor\" data-id=\"c401e12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> Late Enrollment Penalties <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a9c7fc elementor-widget elementor-widget-text-editor\" data-id=\"9a9c7fc\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Missing your Initial Enrollment Period can be costly. Medicare Part A, Part B and Part D may charge premium penalties if you miss your initial enrollment dates, unless you qualify for a Medicare Special Enrollment Period.<\/p><p>\u00a0<\/p><p><strong>Medicare Part A Premium Penalty<\/strong><\/p><p><br \/>Part A is premium free if you or your spouse worked and paid taxes for at least 10 years. If you have to pay a premium, the penalty for late enrollment is 10%.<\/p><p>\u00a0<\/p><p>The Part A premium penalty is charged for twice the number of years you delay enrollment. If you wait 2 years, for example, you would pay the additional 10% for 4 years (2 x 2 years). The penalty applies no matter how long you delay Part A enrollment.<\/p><p>\u00a0<\/p><p><strong>Medicare Part B Premium Penalty<\/strong><\/p><p><br \/>The penalty for late enrollment in Part B is an additional 10% for each 12-month period that you delay it.<\/p><p>\u00a0<\/p><p>\u200bLet\u2019s say your Initial Enrollment Period ended September 30, 2010, for example. Then you enroll in Part B during the General Enrollment Period in March 2013. Your late enrollment penalty would be 20% of the Part B premium, or 2 x 10%. This is because you waited 30 months to sign up, and that time period included 2 full 12-month periods.<\/p><p>\u00a0<\/p><p>\u200bIn most cases, you have to pay the penalty every month for as long as you have Part B. If you\u2019re under 65 and disabled, any Part B penalty ends once you turn 65 because you\u2019ll have another Initial Enrollment Period based on your age.<\/p><p><br \/><strong>Medicare Part D Premium Penalty<\/strong><\/p><p><br \/>The penalty for late enrollment in a Part D plan is 1% of the average Part D premium for each month you delay enrollment. You pay the penalty for as long as you\u2019re enrolled in a Medicare Part D plan.<\/p><p>\u00a0<\/p><p>\u200bYou may delay enrolling in Medicare Part D without penalty if you qualify for Extra Help or have creditable drug coverage. If it\u2019s been more than 63 days since you\u2019ve had creditable coverage, then the penalty may apply.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c00471d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c00471d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.4 - 13-04-2022 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#2c2c2c;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:-webkit-box;display:-ms-flexbox;display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);-ms-flex-negative:0;flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:-webkit-box;display:-ms-flexbox;display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{-webkit-box-align:center;-ms-flex-align:center;align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;-webkit-box-flex:1;-ms-flex-positive:1;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{-webkit-box-flex:0;-ms-flex-positive:0;flex-grow:0;-ms-flex-negative:100;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e0f90b elementor-widget elementor-widget-text-editor\" data-id=\"5e0f90b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Enroll in Medicare<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df1c3e3 elementor-widget elementor-widget-text-editor\" data-id=\"df1c3e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Medicare enrollment happens automatically for some people. Others need to enroll themselves when they first become eligible. It all depends on your situation.<\/p><p>\u00a0<\/p><p>\u200bAfter you are enrolled in Medicare, you need to take action if you want additional coverage, such as a Medicare Advantage (Part C) plan, a prescription drug (Part D) plan or a Medicare supplement insurance plan.<\/p><p>\u00a0<\/p><p><strong>How Automatic Enrollment in Medicare Works<\/strong><\/p><p>You will be enrolled automatically in Original Medicare Parts A and B if:<\/p><p>\u00a0<\/p><ul><li>You are turning 65 and are getting Social Security or Railroad Retirement Board benefits.<\/li><li>You are under 65 and have received disability benefits for 24 months.<\/li><li>You have Lou Gehrig\u2019s disease (Amyotrophic Lateral Sclerosis, or ALS) and start getting disability benefits.<\/li><\/ul><p>\u00a0<\/p><p><strong>You will get your Medicare card in the mail a few months before your 65th birthday or before your 25th month of getting disability benefits. You\u2019ll get it immediately if you have ALS.<\/strong><\/p><p><br \/>Keeping the card means you accept Original Medicare Part A and Part B coverage. You also agree to pay Part B premiums. (If you live in Puerto Rico, you need to enroll yourself in Part B; it\u2019s not automatic.)<\/p><p>\u00a0<\/p><p>You must notify Medicare if you decide to refuse or delay Part B. You may want to do this if you have other health care coverage, such as through an employer or union. Follow the instructions on the back of your Medicare card.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3665aec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3665aec\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffe3404 elementor-widget elementor-widget-text-editor\" data-id=\"ffe3404\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> How to Enroll in Medicare Yourself <\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c4edc0 elementor-widget elementor-widget-text-editor\" data-id=\"0c4edc0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You need to take action to sign up for Medicare if:<\/p><p>\u00a0<\/p><ul><li>You are turning 65 and are not currently getting Social Security or Railroad Retirement Board benefits.<\/li><li>You qualify for Medicare because you have End-Stage Renal Disease (ESRD).<\/li><li>You live in Puerto Rico and want Part B coverage.<\/li><\/ul><p>\u00a0<\/p><p><strong>You can sign up for Medicare online<\/strong><\/p><p>\u00a0<\/p><p>You can also enroll in Medicare by phone or in person at any Social Security office. Call 1-800-772-1213 (TTY 1-800-325-0778) Monday through Friday, 7 a.m. to 7 p.m. local time, to make an appointment.<\/p><p>\u200bIf you live outside the United States and its territories, contact the nearest U.S. Social Security office, U.S. Embassy or consulate, or the Veterans Affairs Regional Office (VARO) in the Philippines.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adcfa2e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"adcfa2e\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da11211 elementor-widget elementor-widget-text-editor\" data-id=\"da11211\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Enroll in a Private Medicare Plan<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d1ec88 elementor-widget elementor-widget-text-editor\" data-id=\"1d1ec88\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You may choose to enroll in a private Medicare plan after you complete your initial enrollment in both Part A and Part B. You can choose a:<\/p><p>\u00a0<\/p><ul><li>Medicare Advantage plan (Part C) with or without drug coverage<\/li><li>Stand-alone Medicare prescription drug plan (Part D)<\/li><li>Medicare supplement insurance plan<\/li><\/ul><p>\u00a0<\/p><p>You can find out about plans offered where you live at Medicare.gov or directly from the insurance companies that offer them. You can apply online, by phone or through a local insurance agent.<\/p><p>\u00a0<\/p><p>Keep in mind that if you don\u2019t get prescription drug coverage when you\u2019re first eligible, you may be charged a premium penalty if you join a plan later. You could also be charged more for Medicare supplement insurance if you wait to buy a plan. In some cases, you could be denied this coverage entirely based on your health history.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ae75a62 elementor-section-height-min-height elementor-section-content-top elementor-section-boxed elementor-section-height-default\" data-id=\"ae75a62\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-608fef8\" data-id=\"608fef8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f1d5c8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0f1d5c8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8868005 elementor-widget elementor-widget-text-editor\" data-id=\"8868005\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Schedule your consultation today!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7ffd1378 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"7ffd1378\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-856b917\" data-id=\"856b917\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f32235 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2f32235\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/calendly.com\/maria-622\/60-minute-meeting-clone\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Virtual<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3a0430f\" data-id=\"3a0430f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97a8dde elementor-align-center elementor-widget elementor-widget-button\" data-id=\"97a8dde\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/calendly.com\/maria-622\/60-minute-medicare-meeting-phone-clone\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">In Person<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9aa655a\" data-id=\"9aa655a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df0f7db elementor-align-center elementor-widget elementor-widget-button\" data-id=\"df0f7db\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/calendly.com\/maria-622\/60-minute-medicare-meeting-clone\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Phone<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3bcb366 elementor-section-height-min-height elementor-hidden-mobile elementor-hidden-tablet elementor-section-boxed elementor-section-height-default\" data-id=\"3bcb366\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f14754f\" data-id=\"f14754f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0f3d413\" data-id=\"0f3d413\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a099292\" data-id=\"a099292\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c626535 elementor-widget elementor-widget-spacer\" data-id=\"c626535\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e41287a elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"6e41287a\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">INSURANCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f215286 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-height-default\" data-id=\"3f215286\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6378f13a\" data-id=\"6378f13a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1947ffd4 elementor-widget elementor-widget-heading\" data-id=\"1947ffd4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u00a9 2024 Our Family Office LLC. All rights reserved.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f5bee3b\" data-id=\"f5bee3b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6eaa1e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6eaa1e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c426872\" data-id=\"c426872\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Contact us Medicare | Steps to Enroll Enrolling in Medicare Timing is everything when you\u2019re enrolling in Medicare, and a lot depends on your specific situation. That\u2019s why we organized this enrollment information based on life circumstances. When you turn 65 Turning 65 is a big life event, and thousands of baby boomers are doing&hellip; <a class=\"more-link\" href=\"https:\/\/ofoinsurance.com\/medicare\/steps-to-enroll\/\">Continue reading <span class=\"screen-reader-text\">Steps to Enroll<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":420,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/pages\/653"}],"collection":[{"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/comments?post=653"}],"version-history":[{"count":115,"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/pages\/653\/revisions"}],"predecessor-version":[{"id":932,"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/pages\/653\/revisions\/932"}],"up":[{"embeddable":true,"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/pages\/420"}],"wp:attachment":[{"href":"https:\/\/ofoinsurance.com\/wp-json\/wp\/v2\/media?parent=653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}