Preparing for Medicare
When to Enroll, What to Know & Avoiding Penalties
Clear guidance to help you make confident Medicare decisions at the right time. —– ALL Tools and One on One Guidance Provided at NO Cost.
Table of Contents
Why Clients Choose HTA
- Clear, simple Medicare guidance from experienced specialists since 1999
- Salaried advisors who work in your best interest— not for commissions
- Personalized, education-first support so you can make confident decisions
- Access to 20+ leading insurance carriers nationwide, with recommendations tailored to you
- Ongoing support—not just at enrollment, but year after year
What is Medicare
Medicare consists of 4 Parts:
- Part A (Inpatient)
- Part B (Outpatient)
- Part C (Medicare Advantage) OR Medicare Supplement
- Part D (Prescription Coverage)
Quick Guide to Medicare- 12 minutes
When to Enroll
Your enrollment timing depends on your current coverage.
If you are currently covered under OUR COMPANY GROUP HEALTH PLAN, click below to see your enrollment timeline.
Not sure? Complete our Medicare Enrollment Timeline Questionnaire.
Medicare Planning Tools
Prior to enrolling in Medicare, there are a few important rules that can significantly affect your timing, taxes, and premiums.
Medicare vs Group Health Plan
Cost Analysis
Once you turn 65, you have the option to leave your group health plan and transition to Medicare—if it’s the right fit for you. Before making that decision, it’s important to compare the full picture — not just the monthly premium, but the total cost and coverage of each option.
A proper comparison looks at:
- Total annual premiums
- Deductibles and out-of-pocket limits
- Prescription costs
- Network flexibility
- Impact on a spouse or dependents
As a general guideline, if your group health plan costs more than $4,500 per year per person, it’s worth taking a closer look at how Medicare compares.
Our 4 Step Medicare Process
When You’re Ready to Enroll
If you’re planning to retire or transition to Medicare, contact HTA within 6-8 months of your desired start date.
Starting early gives you time to confirm your enrollment window, coordinate any employer coverage, and review your options without rushing decisions.
Our advisors will guide you through each part of Medicare confidentially and help you choose the coverage that fits your needs and budget.
