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(760) 603-1100 San Marcos, CA

Are You Turning 65?

Navigating the World of Medicare as You Turn 65 in Carlsbad, San Marcos, San Diego County, CA.

If you're approaching the golden age of 65, it's time to think about Medicare. Harding Insurance Agency, Inc. is here to guide you through the enrollment process and help you make informed decisions. Don't hesitate to call us at 760-603-1100 for more information.
For personalized consultation, reach out to us at 760-603-1100 or scroll down to use our online quote request form.

Why Medicare Matters at 65

Turning 65 is more than just a milestone; it's also the age you become eligible for Medicare. This government-funded health insurance program can be your safety net for medical expenses as you age.

Enrollment Periods: Timing is Everything

It's crucial to enroll in Medicare during the Initial Enrollment Period, which starts three months before you turn 65 and extends three months after your 65th birthday. Missing this window can result in penalties and delayed coverage.

Understanding Medicare Parts


Medicare Part A

Covers inpatient hospital stays, hospice care, and some home health care.


Medicare Part B

Covers certain doctors' services, outpatient care, medical supplies, and preventive services.


Medicare Part D

Offers prescription drug coverage and can be added to Original Medicare.

Medicare Advantage: An Alternative Option

Known as Part C, Medicare Advantage plans are offered by private insurers like Harding Insurance Agency, Inc.. These plans include coverage from Part A, Part B, and often Part D, along with additional benefits. Call us at 760-603-1100 to explore your options.

Cost Considerations

While Part A is usually premium-free if you or your spouse worked and paid Medicare taxes, Parts B and D do have premiums. To get a full understanding of the potential costs, don't hesitate to contact us at 760-603-1100.

Medigap: Bridging the Gaps

A Medigap policy can help you cover out-of-pocket costs that Original Medicare doesn’t cover. This is particularly useful for avoiding unexpected medical bills.

How Harding Insurance Agency, Inc. Can Assist You

Still feeling overwhelmed? Harding Insurance Agency, Inc. can help you understand your Medicare options, costs, and additional coverages to suit your healthcare needs in Carlsbad, San Marcos, San Diego County, CA..

To get the ball rolling, you can fill out our online quote request form.