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Turning 65

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Turning 65

If you're reaching Medicare age soon, check it out!

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Medicare is specific to you

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There’s a lot to think about. You’ll want to know when to sign up, how to sign up, how much it’s going to cost, and what to know if you’re still working. So if you’re turning 65 in the next few years and you want a quick overview, stay right here.

Ready to dive in to the details? Check out our All About Medicare Page

Your first steps

OK, let’s talk about how you’ll get started with Medicare. The first step is enrolling in Original Medicare, Medicare Parts A and B. Here’s the when and how of it all.

When should you enroll in Original Medicare?

Even if you're a year or more away from turning 65, you can begin preparing now. These helpful tips can get you started on the right path.

1 Step One

Meet with the employee benefits manager if you are still working (or at a former job) to discuss retiree health benefits.

2 Step Two

Begin learning more about Medicare elgibility; the various parts of Meidcare; what is and isn't covered; and when to enroll. Visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for complete enrollment details.

3 Step Three

Ask your doctors if they participate in Medicare and if they accept Medicare assignment.

4 Step Four

Get health insurance quotes for Medicare supplemental plans. You are guaranteed acceptance with BCBSKS when enrolling within six months of your Part B effective date or 65th birthday.

5 Step Five

Apply for Medicare benefits (Part A and B) if retiring at age 65 (and not already receiving Social Security benefits) three months before your 65th birth month.

6 Step Six

Enroll in a Medicare supplemental plan. Remember – Medicare supplemental plans do not cover prescription drugs. This would need to be purchased separately.

Learn more

Here's how to sign up for Medicare.

Visit Medicare.gov to apply for Medicare online. Or, you can go to your local Social Security office - You’ll need an original or certified copy of your birth certificate, any W-2 forms from the past two years and your Social Security number or card.

Already enrolled in Medicare?

Then you are ready to shop for your Medicare Supplemental coverage.

IMPORTANT: If you decide not to enroll in Medicare Part B when you're first eligible, you may have to pay late-enrollment fees should you decide to enroll at a later date. Plus, you may be responsible for the medical expenses Medicare Part B would have covered.

Things to know if you're still working past 65

If you are enrolled in employer-sponsored health insurance and you plan to keep working, you need to know your options.

Here are some important things to know about how you might want to use Medicare.

How many people are in your company?

When you work for a larger employer, you have choices:

  • Staying on Employer's Plan

    Your employer-sponsored health insurance will be the "primary payer" and Medicare will be the "secondary payer". In other words… When you file a claim, your employer-sponsored health insurance will pay first and Medicare will pay second.

  • Leaving Employer's Plan for Medicare

    As great as it is… Medicare alone can leave you responsible for thousands of dollars out of your pocket. If you cancel your employer-sponsored health insurance for Medicare, you will want to add a Medicare Supplement, like Plan 65. Plan 65 helps fill the gaps that Medicare leaves behind.

When you work for a smaller employer, you have choices:

  • Staying on Employer's Plan

    Medicare will be the "primary payer" and your employer-sponsored health insurance will be the "secondary payer". In other words… When you file a claim, Medicare will pay first and your employer-sponsored health insurance will pay second.

  • Leaving Employer's Plan for Medicare

    While Medicare provides important coverage, only being covered by Medicare alone can leave you responsible for thousands of dollars out of your pocket. If you cancel your employer-sponsored health insurance for Medicare, you will want to add a Medicare Supplement, like Plan 65. Plan 65 helps fill the gaps that Medicare leaves behind.

Is Medicare Affordable?

If it wasn’t for Medicare, health care might become really expensive at 65 and beyond. Almost everyone gets Original Medicare since it covers the basics with A (for hospital stays) and B (for medical and doctor visits). You may have to pay a premium for Medicare Part A but most people don’t, and Medicare Part B premiums are very affordable. You can get additional benefits with private insurers like us to help you cover services and expenses Original Medicare doesn’t cover. There are also special programs available if you need more help affording the costs of Medicare.

Making sure your loved ones are covered

It’s important to think about whether you have dependents on your current health insurance plan. If you’re the primary insurance holder on your plan, when you sign up for Medicare your dependents will no longer be covered under that plan or under your new Medicare plan. These family members can purchase a separate individual or family health plan from a private insurer, like us.

Beat the Rush – Save Your Place in Line

Already know Blue Cross is the right choice for you? Let us know now, and we'll keep you informed along the way and get you enrolled when you're ready.

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Life in Motion

Getting older doesn't mean you have to slow down. Hear from real Kansans that are featured in our Plan 65 commercials on what it means to keep their life in motion.

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