A new year is a natural time to review important parts of your life, including your health coverage. For many people on Medicare, changes in premiums, benefits, and personal health needs can quietly add up. Starting the year with a clear understanding of your Medicare options can help you avoid surprises and feel more confident about the months ahead. Why the New Year Is the Right Time for a Medicare Review Medicare plans do not always stay the same from year to year. Even small changes can affect your budget and access to care. The start of the year is a smart time to review your coverage because: Premiums and cost sharing may have changed Prescription needs often evolve over time Provider networks and coverage rules can shift Many people are still unclear about what their plan actually covers A review helps ensure your coverage still aligns with your needs and priorities. Common Issues Found During Medicare Reviews Many Medicare beneficiaries discover issues only after a claim is denied or a bill arrives. A proactive review often uncovers: Higher out-of-pocket costs than expected Coverage that no longer matches current health needs Overlapping benefits that increase monthly costs Missed opportunities to simplify coverage Identifying these issues early in the year can prevent unnecessary stress later on. Medicare Supplement Plans and Peace of Mind Medicare Supplement plans are designed to help cover costs that Original Medicare does not, such as deductibles and coinsurance. When reviewed properly, a supplemental plan can provide see-any-doctor flexibility and more predictable expenses throughout the year. A New Year review helps confirm whether your current supplement still offers the value and stability you expect. Start the Year With Clarity, Not Confusion Medicare decisions do not need to be rushed or overwhelming. Taking time now to review your options allows you to make informed choices based on your health, budget, and long-term goals. The New Year is not about making changes for the sake of change. It is about making sure your Medicare coverage continues to work for you. Make This the Year You Feel Confident About Medicare If you have questions about your coverage or simply want reassurance that you are on the right plan, a Medicare review can provide clarity and peace of mind. Starting the year informed is one of the best resolutions you can make.
Many Medicare beneficiaries receive a notice that their current coverage is under review or no longer meeting their needs. This can happen due to rising premiums, changes in health needs, or confusion about benefits that were never fully explained. While this situation can feel stressful, it is also an opportunity to make sure your Medicare Supplemental plan truly fits your needs. Why Medicare Supplemental Plans Get Reviewed A Medicare Supplement plan, also called Medigap, is designed to help cover out-of-pocket costs that Original Medicare does not pay. Over time, several factors can trigger a review of your coverage: Premiums increase each year without added value Health needs change, leading to higher medical expenses Benefits overlap or fail to cover frequent services The plan was chosen without a full comparison of options A review does not automatically mean your plan is bad, but it does mean it is worth taking a closer look. Common Gaps Found During a Review During a Medicare Supplemental plan review, many people discover gaps they did not realize existed, such as: Limited coverage for frequent doctor visits Higher-than-expected out-of-pocket costs A plan that costs more than similar options in the same area Benefits that no longer align with current prescriptions or providers Identifying these gaps early can prevent unnecessary expenses later in the year. How a Medicare Supplement Review Helps You A proper review focuses on understanding your situation, not pushing a one-size-fits-all solution. A thoughtful review can help you: Compare plans side by side using your current doctors and usage Identify ways to lower premiums without sacrificing coverage Confirm whether switching plans makes sense or if staying put is best Gain clarity and peace of mind about your Medicare choices The goal is not always to change plans, but to confirm that your current plan is still working for you. When to Consider Making a Change You may want to explore new supplemental options if: Your premiums have increased significantly You are paying out of pocket more often than expected You feel unsure about what your plan actually covers Your health needs or budget have changed Timing matters, and certain enrollment periods offer more flexibility, so guidance is important. Take the Guesswork Out of Medicare Decisions Medicare does not have to be confusing or overwhelming. A clear, personalized review of your supplemental plan can uncover better solutions and help you move forward with confidence. If your Medicare coverage is under review, take it as a chance to ask questions, compare options, and make sure your plan truly supports your health and financial goals.
When you delay Medicare Part B because you are still working and covered under an employer plan, you will need specific forms to enroll later without penalties. These forms confirm that you had qualifying coverage, and getting them completed correctly can save you money and stress. This guide explains what the forms are, why they matter, and how to get them from your employer. The Two Forms You Need When you are ready to enroll in Part B after age 65, you usually submit two forms together: Form CMS 40B This is the Medicare Part B application. You fill it out yourself. Form CMS L564 This is the Request for Employment Information. Your employer fills out part of it to verify that you had active employer group health coverage. Both forms work together to show Medicare that you qualify for a Special Enrollment Period. This allows you to sign up for Part B without a late enrollment penalty. Why the Employer Form Matters Medicare needs proof that you were covered by active employer health insurance, not retiree coverage or COBRA. The L564 form provides that proof. Without it, Medicare may charge you higher premiums for waiting to enroll. How To Get the Employer Form Completed Step 1: Download the Form You can find Form CMS L564 on the official Medicare or Social Security website. It is a simple one page document. Step 2: Contact Your HR or Benefits Office Reach out to the team that manages your health insurance. Let them know you need Form L564 completed for Medicare. Most HR offices are familiar with it and can return it quickly. Step 3: Provide Any Needed Details Some employers ask for your hire date or proof of current coverage. Having your insurance card and employment history handy can make the process smoother. Step 4: Check That the Form Is Fully Completed Your employer should fill out Section B, sign it, and include their contact information. Double check that nothing is missing. Medicare will not process an incomplete form. Step 5: Submit the Forms Together Send CMS 40B and CMS L564 to Social Security. You can do this by mail, by fax, or by dropping them off at your local office. Many people choose to upload the forms through the online Social Security portal for faster processing. Tips for a Smooth Experience Request the form early so you are not rushing near your enrollment deadline. Keep copies of everything you submit. If you had coverage through multiple employers, you may need separate L564 forms. Ask your HR office who to contact if Medicare needs follow up verification. Final Thoughts Getting employer forms for Medicare is usually straightforward once you know what to ask for. These documents protect you from penalties and allow you to transition from employer coverage to Medicare with confidence. A bit of planning and clear communication with your HR team can make the entire process much easier.
A new year is a natural time to review important parts of your life, including your health coverage. For many people on Medicare, changes in premiums, benefits, and personal health needs can quietly add up. Starting the year with a clear understanding of your Medicare options can help you avoid surprises and feel more confident about the months ahead. Why the New Year Is the Right Time for a Medicare Review Medicare plans do not always stay the same from year to year. Even small changes can affect your budget and access to care. The start of the year is a smart time to review your coverage because: Premiums and cost sharing may have changed Prescription needs often evolve over time Provider networks and coverage rules can shift Many people are still unclear about what their plan actually covers A review helps ensure your coverage still aligns with your needs and priorities. Common Issues Found During Medicare Reviews Many Medicare beneficiaries discover issues only after a claim is denied or a bill arrives. A proactive review often uncovers: Higher out-of-pocket costs than expected Coverage that no longer matches current health needs Overlapping benefits that increase monthly costs Missed opportunities to simplify coverage Identifying these issues early in the year can prevent unnecessary stress later on. Medicare Supplement Plans and Peace of Mind Medicare Supplement plans are designed to help cover costs that Original Medicare does not, such as deductibles and coinsurance. When reviewed properly, a supplemental plan can provide see-any-doctor flexibility and more predictable expenses throughout the year. A New Year review helps confirm whether your current supplement still offers the value and stability you expect. Start the Year With Clarity, Not Confusion Medicare decisions do not need to be rushed or overwhelming. Taking time now to review your options allows you to make informed choices based on your health, budget, and long-term goals. The New Year is not about making changes for the sake of change. It is about making sure your Medicare coverage continues to work for you. Make This the Year You Feel Confident About Medicare If you have questions about your coverage or simply want reassurance that you are on the right plan, a Medicare review can provide clarity and peace of mind. Starting the year informed is one of the best resolutions you can make.
Many Medicare beneficiaries receive a notice that their current coverage is under review or no longer meeting their needs. This can happen due to rising premiums, changes in health needs, or confusion about benefits that were never fully explained. While this situation can feel stressful, it is also an opportunity to make sure your Medicare Supplemental plan truly fits your needs. Why Medicare Supplemental Plans Get Reviewed A Medicare Supplement plan, also called Medigap, is designed to help cover out-of-pocket costs that Original Medicare does not pay. Over time, several factors can trigger a review of your coverage: Premiums increase each year without added value Health needs change, leading to higher medical expenses Benefits overlap or fail to cover frequent services The plan was chosen without a full comparison of options A review does not automatically mean your plan is bad, but it does mean it is worth taking a closer look. Common Gaps Found During a Review During a Medicare Supplemental plan review, many people discover gaps they did not realize existed, such as: Limited coverage for frequent doctor visits Higher-than-expected out-of-pocket costs A plan that costs more than similar options in the same area Benefits that no longer align with current prescriptions or providers Identifying these gaps early can prevent unnecessary expenses later in the year. How a Medicare Supplement Review Helps You A proper review focuses on understanding your situation, not pushing a one-size-fits-all solution. A thoughtful review can help you: Compare plans side by side using your current doctors and usage Identify ways to lower premiums without sacrificing coverage Confirm whether switching plans makes sense or if staying put is best Gain clarity and peace of mind about your Medicare choices The goal is not always to change plans, but to confirm that your current plan is still working for you. When to Consider Making a Change You may want to explore new supplemental options if: Your premiums have increased significantly You are paying out of pocket more often than expected You feel unsure about what your plan actually covers Your health needs or budget have changed Timing matters, and certain enrollment periods offer more flexibility, so guidance is important. Take the Guesswork Out of Medicare Decisions Medicare does not have to be confusing or overwhelming. A clear, personalized review of your supplemental plan can uncover better solutions and help you move forward with confidence. If your Medicare coverage is under review, take it as a chance to ask questions, compare options, and make sure your plan truly supports your health and financial goals.
When you delay Medicare Part B because you are still working and covered under an employer plan, you will need specific forms to enroll later without penalties. These forms confirm that you had qualifying coverage, and getting them completed correctly can save you money and stress. This guide explains what the forms are, why they matter, and how to get them from your employer. The Two Forms You Need When you are ready to enroll in Part B after age 65, you usually submit two forms together: Form CMS 40B This is the Medicare Part B application. You fill it out yourself. Form CMS L564 This is the Request for Employment Information. Your employer fills out part of it to verify that you had active employer group health coverage. Both forms work together to show Medicare that you qualify for a Special Enrollment Period. This allows you to sign up for Part B without a late enrollment penalty. Why the Employer Form Matters Medicare needs proof that you were covered by active employer health insurance, not retiree coverage or COBRA. The L564 form provides that proof. Without it, Medicare may charge you higher premiums for waiting to enroll. How To Get the Employer Form Completed Step 1: Download the Form You can find Form CMS L564 on the official Medicare or Social Security website. It is a simple one page document. Step 2: Contact Your HR or Benefits Office Reach out to the team that manages your health insurance. Let them know you need Form L564 completed for Medicare. Most HR offices are familiar with it and can return it quickly. Step 3: Provide Any Needed Details Some employers ask for your hire date or proof of current coverage. Having your insurance card and employment history handy can make the process smoother. Step 4: Check That the Form Is Fully Completed Your employer should fill out Section B, sign it, and include their contact information. Double check that nothing is missing. Medicare will not process an incomplete form. Step 5: Submit the Forms Together Send CMS 40B and CMS L564 to Social Security. You can do this by mail, by fax, or by dropping them off at your local office. Many people choose to upload the forms through the online Social Security portal for faster processing. Tips for a Smooth Experience Request the form early so you are not rushing near your enrollment deadline. Keep copies of everything you submit. If you had coverage through multiple employers, you may need separate L564 forms. Ask your HR office who to contact if Medicare needs follow up verification. Final Thoughts Getting employer forms for Medicare is usually straightforward once you know what to ask for. These documents protect you from penalties and allow you to transition from employer coverage to Medicare with confidence. A bit of planning and clear communication with your HR team can make the entire process much easier.
