Enrolling in Medicare

[BlueSpot]

36. My doctor's office recommended a specific insurance agent & gave me a card

I called and was assigned to an agent who walked me though everything. I don't know a lot of insurance terminology so having help was a great boost to my confidence when filling out the forms and answering the questions correctly. Got a notice recently that my Part D was going to increase its premium by $50/month (!!!). I called the guy again, gave him a list of my scripts and he suggested a plan that would serve my needs just fine at a substantially lower cost.

And, yes, you need to get your part D right up front or there is a penalty and I think more loops to go through. Doing it right away eliminates both.

Edited to add: I began the enrollment process 3 months before my coverage was to take effect. I don't know if this might vary by state. The six month notice *might* be so you can start getting your ducks in a row.