Are you looking to leave a work health plan after age 65?
We can help you make a smooth transition to Medicare and avoid gaps in coverage and potential penalties.
When you leave your (or your spouse's) employer health plan after 65 to get on Medicare and a Medicare plan, taking the right steps at the right time is critical...
If you miss a step or don't act within certain times, this can result in you having:
Avoiding these problems just takes a little planning…and working with someone who has helped folks through it many times before.
Some of the things you need to do for this transition are:
I’ll explain this process in a bit more detail further down below…
I can help you figure out exactly what YOU need to do to make this transition EASY.
I have been helping folks just like you with their Medicare decision since 2012.
I’ve had hundreds of conversations with folks starting their Medicare coverage after their 65th birthday, and everyone’s situation has been a bit different. Some have already signed up for Medicare while covered at work. Some folks need to find coverage for their spouse once they retire. We'll discuss your unique situation and what you do and don't need to do when you leave your current plan.
Watch the video below to see what a couple of my clients, Jim & Anne, have to say about working with me...
Here is the process that I'll take you through when you're leaving a work health plan and getting on Medicare coverage:
Decide when you want to make the change:
Figure out what Medicare forms need to get filled out and when:
Review the Medicare basics including:
Discuss your Medicare plan options and get signed up:
Take care of important last steps:
Throughout the process, we will go at your pace. However, it's important to not skip any of these steps. We basically plan around the start date you have in mind, and then make sure everything we need to do before and after gets done.
There will NEVER be any high-pressure sales tactics used, nor will I try to force you into a Medicare plan because it represents my best interest. I am licensed with about 20 insurance companies which means I represent your best interest, not that of any one particular company.
Here is what some of my clients have said about working with me in this process...
If it is clarity you want in your decision making for retirement plans, Chris Russo is your guide.
He laid out all options in a clear and organized format. He also keeps us updated on changes as they evolve.
Jan M, Livonia, MI
Over the years he has been consistently responsive to our questions and circumstances in a timely manner.
His service to us has been outstanding. His research, information, preparation and recommendations have served us very well.
Frances R, Lake City, MI
Choosing your Medicare plan should NOT be a one-and-done decision
Your first Medicare decision after age 65 is extremely important. But, you’re going to be on Medicare the rest of your life. Choosing the best plan should not be a one-and-done decision, but rather one that involves regular check-ups and reviews.
Things will change over time whether it’s your healthcare needs, your budget, or your plan. Sometimes it can be all three of these at once.
The first plan that you pick might not be the best plan 10 years, 5 years, or even 1 year later.
So, if you sign up for your first plan with:
This is why it’s extremely important to get the help of an agent who is a Medicare expert who is able to give you unbiased help and ongoing service. If you sign up for a plan directly with an insurance company or through some random telemarketer who calls you, you likely will either be enrolling in a plan that’s not right for you to start with or hurting yourself later when things change.
Here are all the things I offer to anyone new to Medicare after age 65:
Help with signing up for Medicare
This includes getting you access to the forms you need with directions on how and when to fill them out
"Intro to Medicare" consultation
We'll review the basics of Medicare and review any questions you have about the 4 different parts
Enrollment into your supplemental plan
After we decide what plan is best for you, I'll fill out the application for you and submit it to the insurance company
Lifetime access to my help
As my client, you can contact me anytime for any follow-up questions, concerns, or issues regarding anything related to Medicare or your plan
Annual reviews of your policy
Things can change fast. I'm available to do an annual review of any supplemental plan I help you enroll in
I'm paid a small commission by the insurance company of your plan, so I never charge any fees or markups for my service
Watch the video below to see what a couple of my clients, Jim & Nancy, have to say about working with me...
Are you ready to leave your work plan? Click the button to book your appointment
Frequently Asked Questions
Why should I use your services instead of signing up directly with the company?
So I get all the things you mentioned above? So what's the catch?
There's no catch! Very, very few agents or agencies charge to help folks with Medicare. We all get a commission from the insurance company whose plan we help you sign up in, so we don't need to charge you.
I already signed up for a plan, so what should I do if I want to work with you?
Whether your plan has started yet or not, you're not under an obligation to keep that plan and often can leave right away even if you've already started paying premiums. We can discuss how to do this when we talk.
How do I know you're a good fit to be my agent?
Like in lots of other areas of life, sometimes people aren't the right fit. After talking with me, if you decide that you'd rather sign up another way then that's fine. But, we probably won't know if we can have a good working relationship unless you reach out to me to take that first step.
I feel more comfortable doing this face-to-face. How would this work remotely?
I go thru the entire process over the phone with you. I'll explain everything making sure you understand it all. I can email you illustrations, videos, and product information to help it make sense. I can even share my screen with you for even more transparency, if you like.
I'll fill out the application for the plan we choose electronically on my end, and then your "e-signature" will be required as well. It's a fairly simple process.
How do I know you won't just put me in a plan that pays you the highest commission?
My goal is to keep your rate the lowest for the longest possible period of time. Some companies do pay more commission than others. But my focus is on doing what's best for you. In the end the commissions will even out, you'll be happy, and refer me to your friends.