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Turning 65 this year?

Understand your Medicare Options.   Medicare is a great start, but it never was designed to cover everything.  For example, it only pays 80 percent for the Medicare allowed amount covered healthcare expenses.  The rest comes out of your own pocket, so you’ll want to review your choices for getting coverage beyond Original Medicare, depending on your personal situation.  At a minimum you will want to have Part D drug plan coverage.

Even if you are still working or retired and are covered by your company’s health plan, you are probably paying something every month.  Now that you are about to turn 65, you could get on a Medicare Advantage Plan where the monthly premium is $0.  Another option would be a Medicare Supplemental Plan that usually has lower premiums than most company insurance plans.

Selecting the right coverage can be confusing, and making the right decision might be more complex than you expect.  You have a window of opportunity:  Three months before your 65th birthday month, the month of your 65th birthday, three months after your 65th birthday month (7 months), where you can not be denied Medicare Insurance.

By planning ahead, your Medicare coverage can start on the first day of the month you turn 65.

For more information on your Medicare options, contact: Douglas Kerr, a Secure Horizons/United Healthcare agent (Lic#0G64783) at (760) 473-7721, by email at  or online at

Call Doug for your no-cost Medicare review.  He will make sense out of all the “stuff” you have been getting in the mail.

Doug also does Educational Medicare update presentations for groups.  Doug has lived in Encinitas for 28 years, is a member of the Encinitas Rotary Club and was the top United Healthcare agent in 2014.