Welcome to Medicare
Turning 65?
New to Medicare?
Medicare Coverage
You Can Count On
Medicare is a federal health insurance program for people 65 and older, and for younger individuals with certain disabilities or people with End-Stage Renal Disease. It covers hospital care, doctor visits, and other essential services through different parts—Part A, B, C, and D.Â
But Medicare isn’t automatic or all-inclusive. It doesn’t cover everything, and most people will need to decide whether to add extra coverage like a Medicare Advantage, Supplement, or Prescription Drug Plan.Â
Who Qualifies for Medicare?
You’re eligible for Medicare if:Â
- You’re 65 or older, even if you’re still working.
- You’re under 65 and have a qualifying disability or end-stage renal disease (ESRD).
- You’re a U.S. citizen or permanent legal resident who’s lived in the U.S. for at least five continuous years
- You are receiving Social Security or railroad retirement benefits or have worked long enough to be eligible for those benefits.
Your first chance to enroll begins 3 months before you turn 65, includes your birthday month, and ends 3 months after. That gives you a 7-month window to get started — penalty-free.Â
If you delayed Medicare because you had employer coverage or another qualifying health plan, you’ll have 8 months to enroll once that coverage ends. SEPs help you avoid late fees — but you must act quickly.Â
If you missed both the IEP and SEP, you can sign up for Original Medicare between January 1 and March 31. Coverage starts the first of the month after you enroll, but you may face late penalties.Â
Already enrolled in Medicare and want to change your coverage? Each year from October 15 to December 7, you can switch Medicare Advantage plans or Part D drug coverage for the following year.Â
Avoiding PenaltiesÂ
- Part B: 10% added to your premium for each full 12-month delayÂ
- Part D: A penalty that increases the longer you go without drug coverageÂ
We make the process simple and fast
Choosing a healthcare plan can be overwhelming; we simplify the process for you
We customize health coverage to your needs
We tailor your healthcare options to your unique needs and budget
We offer flexible and affordable coverage options
With our carrier network, you have access to a variety of affordable health insurance plans
We are committed to excellence in what we do
We serve our clients with professionalism, integrity and great care
We do the shopping and you do the saving!
As an independent health insurance broker, we represent multiple insurance companies and coverage options.
An insurance company generally offers a commission to Skyline Benefit as an independent broker.Â
You pay the same price for coverage whether you work with Skyline Benefit or buy it on your own. You pay NOTHING for our services.Â
Whether you need a health insurance broker depends on how comfortable you are with health insurance shopping through Covered California. Confusion about health insurance can cost a lot of money and stress.Â
Skyline Benefit wants to be your trusted Covered California advisor when it comes to your healthcare shopping.
Skyline Benefit understands that the confidentiality, integrity and availability of data is vital to our clients.
We have therefore implemented data security procedures. You can refer to our Privacy Policy and Terms of Agreements.
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info@skylinebenefit.com
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(714) 888-5112
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1301 W Valencia Dr Fullerton, CA 92833