Retirement Planning

Go to the Social Security Website http://www.socialsecurity.gov/medicareonly/. You can use the online Medicare application if you: •are at least 64 years and 8 months old, •want to sign up for Medicare but do not currently have ANY Medicare coverage, >br>•live in the United States or one of its commonwealths or territories and •do not want to start receiving Social Security benefits at this time. (If you aren't sure, you can apply for Medicare now and apply online for benefits later.) Traditional medicare comes in 3 parts, Part A and Part B. At age 65 you are automatically enrolled into premium free Part A which helps pay for hospital, hospice and some nursing care. Medicare benefits most often used come from Part B which helps pay for doctors, outpatient care, laboratory and other medical services which is voluntary.