OUR LOCATION

6501 North W Street

Pensacola, Florida 32505

Office Hours:

Monday 9:00am-4:00pm

Tuesday 9:00am-4:00pm

Wednesday 9:00am-4:00pm

Thursday 9:00am-4:00pm

Friday 9:00am-4:00pm

6501 North W Street

Pensacola, Florida 32505​

​Senior Agent: TIMOTHY LAPLANT 

​Agency Office: 850-503-3226

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​​About 10,000 people turn 65 every day, and along with that milestone comes a challenge: You need to get up to speed on the many ins and outs of Medicare. There’s a lot at stake. You have to pick supplemental insurance to fill Medicare’s coverage gaps, and you might have to switch to less-expensive versions of some medications. If you don’t sign up by the deadline or you make other mistakes, you could end up with lifetime penalties, denied claims or big bills you shouldn’t have to pay.

Medicare faq's and Questions answered

I'm still working, do I need to apply for Medicare?

Do I Need To Sign Up For Medicare Or Will I Automatically Be Enrolled?

​ If you signed up for Social Security before age 65 (eligibility for full benefits currently begins at age 66), you will automatically be enrolled in Medicare parts A and B and receive your card three months before your 65th birthday. Part A covers hospitalization and is generally premium-free; Part B covers outpatient care, such as doctors’ visits, x-rays and tests, and costs $134 a month for people who enroll in 2017 (or more for high earners).

Everyone else needs to take steps to enroll—or face a lifetime late-enrollment penalty (unless you’re still working and have employer coverage; see below). Go to www.socialsecurity.gov to sign up anytime from three months before until three months after you turn 65 (your “initial enrollment period”), even if you are waiting to file for Social Security benefits.

​ That depends on the size of your company. If you or your spouse (if you’re covered by your spouse’s insurance) is still working for a firm with 20 or more employees, the employer’s insurance is your primary coverage, and Medicare is secondary and can fill any gaps in coverage. You aren’t required to sign up for Medicare at 65, and you won’t have a late-enrollment penalty as long as you sign up within eight months of leaving your job and losing work-based coverage (or losing coverage under your spouse’s insurance).


If you work for a large employer and are happy with its coverage, you may decide to delay signing up for Part B. (Many people still sign up for Medicare Part A at 65.) But the rules are different if you work for a company with fewer than 20 employees. In that case, Medicare generally becomes your primary coverage at age 65, and you need to sign up for Part A and Part B while you’re still working. Some small employers negotiate with insurers to keep employee coverage primary for workers after age 65, but this is unusual; get it in writing from your boss before you delay signing up.

Also note that you can’t delay signing up for Part A if you’re already receiving Social Security benefits and were automatically enrolled in Medicare—even if you’re still working.

​*WEBSITE DISCLAIMER*

1. Medicare has neither endorsed nor reviewed this information.
2. Our site is Not connected or affiliated with any United States Government or State agency.
3.  Calling our office and agents number will direct you to a licensed Agent/Broker.

This is a solicitation for insurance.