Is Medicare Required at 65? See Our Frequently Asked Questions Below
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About Florida Family Benefit
Florida Family Benefit offices are located in Tampa Bay, FL.
We serve the entire state Florida.
Meet the Florida Agent in Charge.
My name is Jason Setree, and I help people who are transitioning into retirement. My main focus areas are Medicare and retirement finance.
I've helped hundreds of satisfied clients.
Medicare laws can be very confusing, and I can help you put it into simple language. Contact me today for quick and competent help.
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Real Reviews From Real People
“I highly recommend”
My agent, Jason Setree, was able to walk me through all of my options to help me select the best plan for my budget and health needs.
- Julie B.
Verified Client
"I had had a wonderful experience”
I had had a wonderful experience with Jason as my advisor. His experience had guided me through this journey and has been very pleasant. I would recommend him to anyone...
- Linda M.
Verified Client
“Best agent I have ever had”
Mr. Setree is very helpful and patient. He takes the time needed to make sure his clients are taken care of and given all the information needed to make appropriate choices for their insurance needs.
- Amber B.
Verified Client
How We're Different
Independent Brokerage - We represent over 20 insurance companies, so you have as many options as possible.
Local Florida Residents - Plans vary by county. Some Medicare/Medicaid laws vary by state, and we know Florida inside and out.
Modern Technology - We cover the entire state of Florida, and keep things convenient by using modern communications technology.
AHIP Certified - Industry-recognized certification training, completed yearly.
Unbiased Advice - We always work with your best interest in mind.
Superior Product Options - We offer a variety of options, including Medigap/Medicare Supplements, Medicare Advantage/Part C, Critical Illness, and Advanced Market insurance products.
Personalized Guidance - You have unique health needs, and we help you match with the companies and plans that meet those needs the best.
Ongoing Support - We maintain long term relationships with clients, so we grow with you, as your needs or circumstances change.
No Cost to You - The insurance companies cover our costs, so we never bill you for enrollments, advice, or support.
Who / What You Should Avoid
Spam Callers - Lacking expertise, these calls usually come from foreign call centers.
Junk Mailers - Likely to use old, outdated technology, or want to visit your home.
Government Customer Service - Unlicensed, inexperienced, and you'll never talk to them again.
State Volunteers - Friendly and well-intentioned, but lack professional training and licensing.
Direct to Company - Competent agents, but they'll NEVER show you non-company alternatives.
Artificial Intelligence - Very often wrong, and obviously wrong to subject matter experts.
Turning 65 Frequently Asked Questions
Do I have to take Medicare Part A at 65?
If you don’t have to pay a premium for Part A (Hospital Insurance), you can choose to sign up when you turn 65 (or anytime later). There is usually no reason not to take Part A. If you've paid FICA taxes for 40 quarters (10 years), you'll get Part A with $0 premium.
Do I have to take Medicare Part B at 65?
No, you're never forced to take Part B. However, that can be a very bad decision. There are penalties for not taking Part B if you need it in the future. Even if you have to pay a premium for Part B, there are many programs in Florida that can pay for all or part of it. Please contact Jason Setree at 888-997-5204 for more information.
Do I have to take Medicare Part D at 65
No, you're never forced to take Part D. Again, that is often a bad decision for several reasons. There are penalties for not taking Part D if you need it in the future. There are also $0 plans, and we can often get the state of Florida or the federal government to pay for premiums. Please contact Jason Setree at 888-997-5204 for more information.
Should I just let Medicare start at 65?
Probably yes, but it's more complicated than that. If you're already taking Social Security, Part A and Part B may start on their own. However, if you just keep original Medicare, Part A and Part B only cover 80% of charges. To help with the rest, you'll have two other choices, You may choose a Medigap plans with Part D, or a Part C plan to help with costs, including Part D to avoid penalties.
If you have insurance through employment, you may elect to delay Part B. Or your work insurance may require that you take Part B. It will depend on your specific circumstances.
in any case, if you meet certain income and asset requirements, you can get your Part B premiums paid by the state. Please contact Jason Setree at 888-997-5204 for more information..
What are the biggest mistakes for people turning 65?
1.) People will refuse Part B before they understand that they could get the state or an insurance company to pay the premium. It leads to unnecessary life-long penalties.
2.) Not signing up for a $0 Part D plan. Same as above, picking up life-long penalties for no reason.
3.) Not understanding how Part B works with Medicaid or insurance provided through employment.
4.) Paying for COBRA when Medicare would have been better.
5.) Choosing a Medicare plan without considering several companies.
6.) Not researching doctor networks across various companies.
7.) Not researching prescription costs across various companies.
For help with these or other issues, please contact Jason Setree at 888-997-5204 for more information.
Get Your Specific Questions Answered
No More Guesswork and Endless Research
It Usually Takes 5-10 Minutes.
Seriously, the internet is full of outdated information. And don't even get me started on AI. AI is trained on that same inaccurate and outdated information.
As a professional, I can tell you that AI is flat wrong, very often.
Many of your Medicare choices will depend on the zip code (or county) you live in.
Many of your Medicare choices will be different from friends or family members who take different prescriptions or see different doctors.
If you're not getting advice specific to you, you're probably not getting good advice.
I've helped hundreds of satisfied clients.
Medicare laws can be very confusing, and I can help you put it into simple language. Contact me today for quick and competent help.