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  Our services are available at no cost to all Medicare Eligible Beneficiaries

At EBM, we are knowledgeable about aging and the health and financial issues of today that effect not only seniors, but all Medicare eligible individuals. We also know just how important that it is for you to fully understand your Medicare options.

  • In most cases, the effective date of your Medicare Part A and Part B will be the 1st day of the month in which you turn age 65.  If your birthday falls on the 1st, then your effective date will be the 1st day of the month prior to your birthday month.

  • If you are already receiving Social Security benefits, you will not need to enroll in Medicare. You will automatically receive your Medicare card approximately 3 ½ months before your Medicare effective date.

  • If you are not receiving your Social Security benefits, then you will need to enroll 3 months prior to turning 65.  You can do so by calling the Social Security Administration (SSA) at 1-800-772-1213.  You can also enroll online at or call your local SSA office and make an appointment to go in and enroll in person.

  • Most individuals automatically get Part A coverage without having to pay a Part A premium. This is because they or a spouse paid Medicare taxes while working for a specified duration of time.

  • For those individuals who do not automatically qualify for premium-free Part A coverage, the monthly Part A premium in 2016 is up to $411 depending on an individual’s duration of Medicare-covered employment.

  • Individuals with disabilities who are under age 65 are automatically enrolled in Part A after they have received Social Security or Railroad Retirement disability benefits for 24 months. Keep in mind that people with Lou Gehrig’s disease (ALS) or End Stage Renal Disease (ESRD) do not have to collect Social Security Disability benefits for 24 months to qualify for Medicare.  

  • You have the option of delaying Part B of Medicare if you have group coverage from your or your spouse’s current employer. You will need to enroll in Part B two or three months prior to your retirement or loss of this group insurance, whichever occurs first, in order for Part B to be in effect by your retirement date or loss of such coverage.

  • Your initial enrollment period which is 3 months prior to… the month of… and 3 months after your 65th birthday OR the period immediately following your Part B enrollment (in the case of those who delay their Part B enrollment) are within a one-time Guaranteed Issue period in which to enroll in a Medicare Supplement Plan without answering health questions.

  • If you want Medicare Part D prescription drug coverage, you must actively enroll in it yourself.  This is true whether you are automatically enrolled in Medicare or you have enrolled yourself.  You may owe a late enrollment penalty if you go without a Medicare Prescription Drug Plan (Part D), or without a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage, or without creditable prescription drug coverage for any continuous period of 63 days or more after your Initial Enrollment Period is over.

As your benefits partner, we will help you weigh your options, know the timelines, access additional coverage, if necessary and then re-evaluate your plan as a whole every year during open enrollment.   Not only that, your benefits partner will be available 24/7/365 to answer questions and assist with any problems that might arise.

Having well established working relationships with multiple insurance carriers, makes us better equipped to find the insurance plan(s) that will best suit your individual needs.

Below is an abbreviated list of carriers that we work with on the Medicare side:
                                          Aetna                                                               BCBSNC              

                                          Cigna- HealthSpring                                       Coventry             

                                          Gateway                                                          Guarantee Trust Life       

                                          Health Team Advantage                                Humana              

                                          SilverScript                                                      Standard             

                                          Transamerica                                                  UnitedHealthCare


to make an appointment to discuss your plan options, with a licensed Medicare Supplement Long-Term Care Insurance Broker and Certified Senior Advisor.