CINXE.COM

<!doctype html> <html class="no-js" lang="en-US"> <head> <meta charset="utf-8"> <meta name="google-site-verification" content="qCx-Y8bMP7YoibVIY2alkL45Jia7QhJ2LO5ZTZT5v9o" />  <meta http-equiv="X-UA-Compatible" content="IE=edge"> <script type="text/javascript"> /* <![CDATA[ */ if(!gform){document.addEventListener("gform_main_scripts_loaded",function(){gform.scriptsLoaded=!0}),window.addEventListener("DOMContentLoaded",function(){gform.domLoaded=!0});var gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener("DOMContentLoaded",o):document.addEventListener("gform_main_scripts_loaded",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook("action",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook("filter",o,n,r,t)},doAction:function(o){gform.doHook("action",o,arguments)},applyFilters:function(o){return gform.doHook("filter",o,arguments)},removeAction:function(o,n){gform.removeHook("action",o,n)},removeFilter:function(o,n,r){gform.removeHook("filter",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+"_"+e.length),null==t&&(t=10),gform.hooks[o][n].push({tag:i,callable:r,priority:t})},doHook:function(o,n,r){if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[o][n]){var t,i=gform.hooks[o][n];i.sort(function(o,n){return o.priority-n.priority});for(var e=0;e<i.length;e++)"function"!=typeof(t=i[e].callable)&&(t=window[t]),"action"==o?t.apply(null,r):r[0]=t.apply(null,r)}if("filter"==o)return r[0]},removeHook:function(o,n,r,t){if(null!=gform.hooks[o][n])for(var i=gform.hooks[o][n],e=i.length-1;0<=e;e--)null!=t&&t!=i[e].tag||null!=r&&r!=i[e].priority||i.splice(e,1)}}} /* ]]> */ </script>  <meta name="viewport" content="width=device-width, initial-scale=1.0"> <meta class="foundation-mq">   <link rel="icon" href="https://seniormark.com/wp-content/themes/seniormark/favicon.png"> <link href="https://seniormark.com/wp-content/themes/seniormark/assets/images/apple-icon-touch.png" rel="apple-touch-icon" />  <meta name="msapplication-TileColor" content="#f01d4f"> <meta name="msapplication-TileImage" content="https://seniormark.com/wp-content/themes/seniormark/assets/images/win8-tile-icon.png"> <meta name="theme-color" content="#121212"> <link rel="pingback" href="https://seniormark.com/xmlrpc.php"> <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' />  <title>3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B - Seniormark</title> <meta name="description" content="When approaching 65, most people sign up for Part B. However, this is not the right choice for everyone. Find out if it is right for you." /> <link rel="canonical" href="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B - Seniormark" /> <meta property="og:description" content="When approaching 65, most people sign up for Part B. However, this is not the right choice for everyone. Find out if it is right for you." /> <meta property="og:url" content="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/" /> <meta property="og:site_name" content="Seniormark" /> <meta property="article:publisher" content="https://www.facebook.com/seniormark/" /> <meta property="article:published_time" content="2017-04-11T15:00:44+00:00" /> <meta property="article:modified_time" content="2017-06-23T15:43:29+00:00" /> <meta property="og:image" content="https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg" /> <meta property="og:image:width" content="424" /> <meta property="og:image:height" content="283" /> <meta property="og:image:type" content="image/jpeg" /> <meta name="author" content="Dan Hoelscher" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:creator" content="@SeniormarkLLC" /> <meta name="twitter:site" content="@SeniormarkLLC" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"Article","@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#article","isPartOf":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/"},"author":{"name":"Dan Hoelscher","@id":"https://seniormark.com/#/schema/person/1bde28be47bcc4fdabf50d7559f006cb"},"headline":"3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B","datePublished":"2017-04-11T15:00:44+00:00","dateModified":"2017-06-23T15:43:29+00:00","mainEntityOfPage":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/"},"wordCount":531,"commentCount":0,"publisher":{"@id":"https://seniormark.com/#organization"},"image":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#primaryimage"},"thumbnailUrl":"https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg","keywords":["Employer insurance","Medicare planning","Medicare workshop"],"articleSection":["Employer","Medicare","Retirement Planning"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/","url":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/","name":"3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B - Seniormark","isPartOf":{"@id":"https://seniormark.com/#website"},"primaryImageOfPage":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#primaryimage"},"image":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#primaryimage"},"thumbnailUrl":"https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg","datePublished":"2017-04-11T15:00:44+00:00","dateModified":"2017-06-23T15:43:29+00:00","description":"When approaching 65, most people sign up for Part B. However, this is not the right choice for everyone. Find out if it is right for you.","breadcrumb":{"@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#primaryimage","url":"https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg","contentUrl":"https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg","width":424,"height":283},{"@type":"BreadcrumbList","@id":"https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://seniormark.com/"},{"@type":"ListItem","position":2,"name":"Blog","item":"https://seniormark.com/blog/"},{"@type":"ListItem","position":3,"name":"3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B"}]},{"@type":"WebSite","@id":"https://seniormark.com/#website","url":"https://seniormark.com/","name":"Seniormark","description":"from Work to Play","publisher":{"@id":"https://seniormark.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://seniormark.com/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https://seniormark.com/#organization","name":"Seniormark","url":"https://seniormark.com/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://seniormark.com/#/schema/logo/image/","url":"https://seniormark.com/wp-content/uploads/2014/05/image006.jpg","contentUrl":"https://seniormark.com/wp-content/uploads/2014/05/image006.jpg","width":632,"height":170,"caption":"Seniormark"},"image":{"@id":"https://seniormark.com/#/schema/logo/image/"},"sameAs":["https://www.facebook.com/seniormark/","https://x.com/SeniormarkLLC","https://www.linkedin.com/company/10568115?trk=tyah&amp;trkInfo=clickedVertical:company,clickedEntityId:10568115,idx:2-1-2,tarId:1473178304967,tas:seniormark","https://www.pinterest.com/seniormark/"]},{"@type":"Person","@id":"https://seniormark.com/#/schema/person/1bde28be47bcc4fdabf50d7559f006cb","name":"Dan Hoelscher","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://seniormark.com/#/schema/person/image/","url":"https://secure.gravatar.com/avatar/a6309e46d6e096b16810e04d6b72e3f9?s=96&d=mm&r=g","contentUrl":"https://secure.gravatar.com/avatar/a6309e46d6e096b16810e04d6b72e3f9?s=96&d=mm&r=g","caption":"Dan Hoelscher"},"description":"Dan Hoelscher founded Seniormark in 2007 in an effort to help individuals make a successful transition into retirement. Dan is a Certified Financial Planner™ Practitioner and holds Certified Senior Advisor (CSA)© and Certified Kingdom Advisor™ certifications. Since founding Seniormark, Dan has helped thousands of retirees throughout Ohio.","url":"https://seniormark.com/author/danhoelscher/"}]}</script>  <link rel='dns-prefetch' href='//static.addtoany.com' /> <link rel="alternate" type="application/rss+xml" title="Seniormark » Feed" href="https://seniormark.com/feed/" /> <link rel='stylesheet' id='wp-block-library-css' href='https://seniormark.com/wp-includes/css/dist/block-library/style.min.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <style id='classic-theme-styles-inline-css' type='text/css'> /*! This file is auto-generated */ .wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none} </style> <style id='global-styles-inline-css' type='text/css'> body{--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}body .is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}body .is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}body .is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}body .is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}body .is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}body .is-layout-flex{flex-wrap: wrap;align-items: center;}body .is-layout-flex > *{margin: 0;}body .is-layout-grid{display: grid;}body .is-layout-grid > *{margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} .wp-block-navigation a:where(:not(.wp-element-button)){color: inherit;} :where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;} :where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;} .wp-block-pullquote{font-size: 1.5em;line-height: 1.6;} </style> <link rel='stylesheet' id='cpsh-shortcodes-css' href='https://seniormark.com/wp-content/plugins/column-shortcodes//assets/css/shortcodes.css?ver=1.0.1' type='text/css' media='all' /> <link rel='stylesheet' id='mobile_navigation_style-css' href='https://seniormark.com/wp-content/plugins/mobile-navigation/css/generated.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <link rel='stylesheet' id='wpsm_ac-font-awesome-front-css' href='https://seniormark.com/wp-content/plugins/responsive-accordion-and-collapse/css/font-awesome/css/font-awesome.min.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <link rel='stylesheet' id='wpsm_ac_bootstrap-front-css' href='https://seniormark.com/wp-content/plugins/responsive-accordion-and-collapse/css/bootstrap-front.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <link rel='stylesheet' id='slick-css' href='https://seniormark.com/wp-content/plugins/so-widgets-bundle/css/lib/slick.css?ver=1.8.1' type='text/css' media='all' /> <link rel='stylesheet' id='sow-post-carousel-base-ad93eedad001-css' href='https://seniormark.com/wp-content/uploads/siteorigin-widgets/sow-post-carousel-base-ad93eedad001.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <link rel='stylesheet' id='addtoany-css' href='https://seniormark.com/wp-content/plugins/add-to-any/addtoany.min.css?ver=1.16' type='text/css' media='all' /> <link rel='stylesheet' id='site-css-css' href='https://seniormark.com/wp-content/themes/seniormark/assets/css/style.css?ver=2d12d4d9fc2cbcf39e3d20f06141885a' type='text/css' media='all' /> <script type="text/javascript" id="addtoany-core-js-before"> /* <![CDATA[ */ window.a2a_config=window.a2a_config||{};a2a_config.callbacks=[];a2a_config.overlays=[];a2a_config.templates={}; /* ]]> */ </script> <script type="text/javascript" async src="https://static.addtoany.com/menu/page.js" id="addtoany-core-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script> <script type="text/javascript" async src="https://seniormark.com/wp-content/plugins/add-to-any/addtoany.min.js?ver=1.1" id="addtoany-jquery-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/so-widgets-bundle/js/lib/slick.min.js?ver=1.8.1" id="slick-js"></script> <link rel="https://api.w.org/" href="https://seniormark.com/wp-json/" /><link rel="alternate" type="application/json" href="https://seniormark.com/wp-json/wp/v2/posts/154886" /><link rel="alternate" type="application/json+oembed" href="https://seniormark.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fseniormark.com%2F3-questions-must-ask-enrolling-medicare-part-b%2F" /> <link rel="alternate" type="text/xml+oembed" href="https://seniormark.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fseniormark.com%2F3-questions-must-ask-enrolling-medicare-part-b%2F&format=xml" />  <script class="hsq-set-content-id" data-content-id="blog-post"> var _hsq = _hsq || []; _hsq.push(["setContentType", "blog-post"]); </script>  <script> jQuery(document).ready(function($) { mobile_navigation({ breakpoint: 1024, hide_on_scroll: true, }); }); </script> <link rel="apple-touch-icon" sizes="180x180" href="/wp-content/uploads/fbrfg/apple-touch-icon.png"> <link rel="icon" type="image/png" href="/wp-content/uploads/fbrfg/favicon-32x32.png" sizes="32x32"> <link rel="icon" type="image/png" href="/wp-content/uploads/fbrfg/favicon-16x16.png" sizes="16x16"> <link rel="manifest" href="/wp-content/uploads/fbrfg/manifest.json"> <link rel="mask-icon" href="/wp-content/uploads/fbrfg/safari-pinned-tab.svg" color="#5bbad5"> <link rel="shortcut icon" href="/wp-content/uploads/fbrfg/favicon.ico"> <meta name="msapplication-config" content="/wp-content/uploads/fbrfg/browserconfig.xml"> <meta name="theme-color" content="#ffffff"> <style type="text/css" id="wp-custom-css"> .page-id-155756 .entry-title{ display:none !important; } /* body .gform_wrapper input[type='checkbox']{margin-bottom: 0;} body .gform_wrapper input[type='radio'], body .gform_wrapper input[type='checkbox'] { width: inherit!important; */ .header .top-bar .top-bar-right .nav > ul li a { font-size: 16px; font-family: 'PT Sans', sans-serif; text-transform: uppercase; color: #370508; padding: 0px 0px 3px 0px; font-weight: bold; line-height: 0.8; line-height: 1; text-align: center; } .gform_wrapper.gravity-theme .gfield-choice-input { display: inline-block; margin-top: 0; top: 0; vertical-align: 0 !important; } </style>  <script type="text/javascript"> setTimeout(function(){var a=document.createElement("script"); var b=document.getElementsByTagName("script")[0]; a.src=document.location.protocol+"//script.crazyegg.com/pages/scripts/0018/9001.js?"+Math.floor(new Date().getTime()/3600000); a.async=true;a.type="text/javascript";b.parentNode.insertBefore(a,b)}, 1); </script>   <script> (function(h,o,t,j,a,r){ h.hj=h.hj||function(){(h.hj.q=h.hj.q||[]).push(arguments)}; h._hjSettings={hjid:354949,hjsv:5}; a=o.getElementsByTagName('head')[0]; r=o.createElement('script');r.async=1; r.src=t+h._hjSettings.hjid+j+h._hjSettings.hjsv; a.appendChild(r); })(window,document,'//static.hotjar.com/c/hotjar-','.js?sv='); </script>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-W4MLD7X');</script>  <style> @import url('https://fonts.googleapis.com/css?family=Open+Sans'); </style> </head>  <body data-rsssl=1 class="post-template-default single single-post postid-154886 single-format-standard">  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-W4MLD7X" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div class="utility"> <div class="row fullwidth"> <div class="columns large-2 medium-6 small-8"> <a class="facebook-icon" href="https://www.facebook.com/seniormark"> <img src="https://seniormark.com/wp-content/themes/seniormark/assets/images/facebook_icon.png" /> </a> <div class="breakpoint-1-show searchbox-container"> <div class="searchbox"><form role="search" method="get" class="search-form" action="https://seniormark.com/"> <label> <input type="search" class="search-field" placeholder="Search..." value="" name="s" title="Search for:" /> </label> </form></div> </div> </div> <div class="columns large-10 medium-6 small-4 text-align-right end">  <span class="util-text breakpoint-1-hide"></span> <a class="button small radius-large white breakpoint-1-hide" href="https://seniormark.com/resources/">Get My Medicare Supplement Rates</a> <a class="telephone breakpoint-1-hide" href="tel:937-492-8800">937-492-8800</a> </div> </div> </div> <div class="off-canvas-wrapper"> <div class="off-canvas-wrapper-inner" data-off-canvas-wrapper> <div class="off-canvas position-right" id="off-canvas" data-off-canvas data-position="right"> <ul id="menu-main-menu" class="vertical menu" data-accordion-menu><li id="menu-item-629" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-629"><a href="https://seniormark.com/">Home</a></li> <li id="menu-item-169" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-169"><a href="https://seniormark.com/services/">Services</a> <ul class="vertical menu"> <li id="menu-item-620" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-620"><a href="https://seniormark.com/medicare-supplement-insurance/">Medicare Supplement Insurance</a></li> <li id="menu-item-619" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-619"><a href="https://seniormark.com/medicare-advantage-plans/">Medicare Advantage Plans</a></li> <li id="menu-item-621" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-621"><a href="https://seniormark.com/part-d-prescription-drug-plans/">Part D Prescription Drug Plans</a></li> <li id="menu-item-623" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-623"><a href="https://seniormark.com/social-security-planning/">Social Security Planning</a></li> <li id="menu-item-622" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-622"><a href="https://seniormark.com/retirementincome-planning/">Retirement/Income Planning</a></li> </ul> </li> <li id="menu-item-154979" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154979"><a href="https://seniormark.com/workshops/">Workshops</a></li> <li id="menu-item-154799" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154799"><a href="https://seniormark.com/employers/">Employers</a></li> <li id="menu-item-168" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-168"><a href="https://seniormark.com/resources/">Resources</a> <ul class="vertical menu"> <li id="menu-item-155581" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155581"><a href="https://seniormark.com/medicare-minute/">Medicare Minute</a></li> <li id="menu-item-614" class="menu-item menu-item-type-post_type menu-item-object-page current_page_parent menu-item-614"><a href="https://seniormark.com/blog/">Blog</a></li> <li id="menu-item-631" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-631"><a href="https://seniormark.com/resources/">Get My Free Medicare Supplement Rate</a></li> </ul> </li> <li id="menu-item-166" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-166"><a href="https://seniormark.com/about/">About</a></li> <li id="menu-item-155871" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155871"><a href="https://seniormark.com/accounts/">Accounts</a></li> <li id="menu-item-165" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-165"><a href="https://seniormark.com/contact/">Contact</a></li> </ul></div> <div class="off-canvas-content" data-off-canvas-content> <header class="header" role="banner">   <div class="top-bar row" id="top-bar-menu"> <div class="logo-area"> <a class="logo" href="https://seniormark.com"><img src="https://seniormark.com/wp-content/uploads/2016/07/logo.jpg" /></a> </div> <div class="top-bar-right show-for-medium navigation breakpoint-1-hide"> <div class="nav"><ul id="menu-main-menu-1" class="vertical medium-horizontal menu" data-responsive-menu="accordion medium-dropdown"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-629"><a href="https://seniormark.com/">Home</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-169"><a href="https://seniormark.com/services/">Services</a> <ul class="menu"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-620"><a href="https://seniormark.com/medicare-supplement-insurance/">Medicare Supplement Insurance</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-619"><a href="https://seniormark.com/medicare-advantage-plans/">Medicare Advantage Plans</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-621"><a href="https://seniormark.com/part-d-prescription-drug-plans/">Part D Prescription Drug Plans</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-623"><a href="https://seniormark.com/social-security-planning/">Social Security Planning</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-622"><a href="https://seniormark.com/retirementincome-planning/">Retirement/Income Planning</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154979"><a href="https://seniormark.com/workshops/">Workshops</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154799"><a href="https://seniormark.com/employers/">Employers</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-168"><a href="https://seniormark.com/resources/">Resources</a> <ul class="menu"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155581"><a href="https://seniormark.com/medicare-minute/">Medicare Minute</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current_page_parent menu-item-614"><a href="https://seniormark.com/blog/">Blog</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-631"><a href="https://seniormark.com/resources/">Get My Free Medicare Supplement Rate</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-166"><a href="https://seniormark.com/about/">About</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155871"><a href="https://seniormark.com/accounts/">Accounts</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-165"><a href="https://seniormark.com/contact/">Contact</a></li> </ul></div> <div class="searchbox"><form role="search" method="get" class="search-form" action="https://seniormark.com/"> <label> <input type="search" class="search-field" placeholder="Search..." value="" name="s" title="Search for:" /> </label> </form></div> </div> <div class="top-bar-right float-right show-for-small-only breakpoint-1-hide"> <ul class="menu">  <li><a data-toggle="off-canvas">Menu</a></li> </ul> </div> </div> </header>  <div id="content"> <div id="inner-content" class="row"> <main id="main" class="large columns" role="main"> <div id="inner-content" class="row"> <div class="wordpress-content"> <div class="post-title">3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B</div> <div class="post-meta"><strong>Author:</strong> Dan Hoelscher | <strong>Date:</strong> April 11, 2017 | <strong>Categories:</strong> <ul class="post-categories"> <li><a href="https://seniormark.com/category/employer/" rel="category tag">Employer</a></li> <li><a href="https://seniormark.com/category/medicare/" rel="category tag">Medicare</a></li> <li><a href="https://seniormark.com/category/retirement-planning-2/" rel="category tag">Retirement Planning</a></li></ul></div> <div class="post-thumb"><img width="424" height="283" src="https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg" class="attachment-full size-full wp-post-image" alt="" decoding="async" fetchpriority="high" srcset="https://seniormark.com/wp-content/uploads/2017/04/three-questions.jpg 424w, https://seniormark.com/wp-content/uploads/2017/04/three-questions-300x200.jpg 300w, https://seniormark.com/wp-content/uploads/2017/04/three-questions-272x182.jpg 272w" sizes="(max-width: 424px) 100vw, 424px" /></div> <div class="addtoany_share_save_container addtoany_content addtoany_content_top"><div class="a2a_kit a2a_kit_size_16 addtoany_list" data-a2a-url="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/" data-a2a-title="3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B"><a class="a2a_button_facebook_like addtoany_special_service" data-layout="button" data-href="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/"></a><a class="a2a_button_twitter_tweet addtoany_special_service" data-url="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/" data-text="3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B"></a><a class="a2a_button_pinterest_pin addtoany_special_service" data-pin-config="none" data-url="https://seniormark.com/3-questions-must-ask-enrolling-medicare-part-b/"></a><a class="a2a_button_email" href="https://www.addtoany.com/add_to/email?linkurl=https%3A%2F%2Fseniormark.com%2F3-questions-must-ask-enrolling-medicare-part-b%2F&linkname=3%20Questions%20You%20MUST%20Ask%20Yourself%20Before%20Enrolling%20in%20Medicare%20Part%20B" title="Email" rel="nofollow noopener" target="_blank"></a><a class="a2a_button_print" href="https://www.addtoany.com/add_to/print?linkurl=https%3A%2F%2Fseniormark.com%2F3-questions-must-ask-enrolling-medicare-part-b%2F&linkname=3%20Questions%20You%20MUST%20Ask%20Yourself%20Before%20Enrolling%20in%20Medicare%20Part%20B" title="Print" rel="nofollow noopener" target="_blank"></a></div></div><h1>3 Questions You MUST Ask Yourself Before Enrolling in Medicare Part B</h1> <h2>When approaching 65, most people sign up for Part B, but not everyone. And for good reason, too—not just because they didn’t plan well and missed the deadline. If you are wondering if you are one of these few, stay tuned! The answer is dependent on these three questions:</h2> <p> </p> <h3>Question 1: Will I (Or My Spouse) Continue Working?</h3> <p>You might be more than ready and able to clock out of that stuffy office or factory for the last time. If this is you, go ahead and enroll. Lack of active employment forfeits your right to delay Part B (even if you have retiree benefits from either your or your spouse’s employer).</p> <p>However, you or your spouse might continue active employment past age 65 and have insurance coverage through your employer plan. In this case, move on to question #2.</p> <p> </p> <h3>Question #2: Who Pays First?</h3> <p>Medicare or the employer? This is an important question to ask because if Medicare pays first and you don’t get on part B, you could be stuck footing some pretty hefty bills on outpatient services. Your employer won’t pay for it because they expected you to get on Medicare. However, if the employer pays first, the decision to delay Part B and stick with your employer health insurance might save you cash on premiums.</p> <p>The way it works is actually quite simple: Do you work for a company of 20 employees or more? Then the employer pays first. How about fewer than 20? Then Medicare pays first.</p> <p>But don’t just assume. To be certain, ask your human resources department or employer. They might surprise you with their answer.</p> <p>Refer to question 3 if you or your spouse is covered under a health plan that insures 20 or more employees.</p> <h4>For more information on the answer to this question, refer to this Kiplinger article entitled <strong><a href="http://www.kiplinger.com/article/retirement/T039-C000-S004-should-you-enroll-in-medicare-if-you-still-work.html">“Should You Enroll in Medicare If You Are Still Working?” </a></strong>The “Who Pays First” chart mid-page is especially helpful.</h4> <p> </p> <h3>Question #3: Is Medicare Cheaper?</h3> <p>Some people have excellent employer plans that make sense to stay on. But for others, it is a toss up. And for a few, Medicare is clearly the cheaper option. The only way to find out is to perform a cost to benefits analysis to determine which is more cost effective. If the employer plan is more expensive, then sign up for Part B.</p> <p>If this helped you come to a conclusion on enrolling in Part B coverage, I wish you sincere congratulations. You are one step closer to a smooth retirement transition. But—of course—you are not done yet. There are many more things to consider.</p> <p>Turning 65 soon and not sure what to do? Click <a href="https://seniormark.com/rsvp-seniormark-workshop/"><span style="color: #ff0000;">here to sign up for our free Medicare workshop</span></a>. No high-pressure sales pitches here, just in-depth discussion about the ins and outs of Medicare!</p> <p>If you would like our assistance to perform a cost/benefit analysis, or need more immediate answers to your questions, give our office a call at 937-492-8800 and we will see how we can help!</p> <p> </p> <div class="author-box"> <h3><span>About the Author</span></h3> <div class="post-author"> <div class="author-avatar"><img alt='Dan Hoelscher' src='https://secure.gravatar.com/avatar/a6309e46d6e096b16810e04d6b72e3f9?s=80&d=mm&r=g' srcset='https://secure.gravatar.com/avatar/a6309e46d6e096b16810e04d6b72e3f9?s=160&d=mm&r=g 2x' class='avatar avatar-80 photo' height='80' width='80' decoding='async'/></div> <h4><a href="https://seniormark.com/author/danhoelscher/" title="Posts by Dan Hoelscher" rel="author">Dan Hoelscher</a></h4> <div class="author-bio">Dan Hoelscher founded Seniormark in 2007 in an effort to help individuals make a successful transition into retirement. Dan is a Certified Financial Planner™ Practitioner and holds Certified Senior Advisor (CSA)© and Certified Kingdom Advisor™ certifications. Since founding Seniormark, Dan has helped thousands of retirees throughout Ohio.</div> </div> </div> <br/> <br/> <div class="comments"></div> </div> </div> </main>  <div id="sidebar1" class="sidebar large-4 medium-4 columns medium-offset-1" role="complementary"> <div id="gform_widget-2" class="widget gform_widget"><h4 class="widgettitle">Subscribe to Our Blog Feed</h4><link rel='stylesheet' id='gforms_reset_css-css' href='https://seniormark.com/wp-content/plugins/gravityforms/legacy/css/formreset.min.css?ver=2.5.10' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_formsmain_css-css' href='https://seniormark.com/wp-content/plugins/gravityforms/legacy/css/formsmain.min.css?ver=2.5.10' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_ready_class_css-css' href='https://seniormark.com/wp-content/plugins/gravityforms/legacy/css/readyclass.min.css?ver=2.5.10' type='text/css' media='all' /> <link rel='stylesheet' id='gforms_browsers_css-css' href='https://seniormark.com/wp-content/plugins/gravityforms/legacy/css/browsers.min.css?ver=2.5.10' type='text/css' media='all' /> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/vendor/wp-polyfill-inert.min.js?ver=3.1.2" id="wp-polyfill-inert-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/vendor/regenerator-runtime.min.js?ver=0.14.0" id="regenerator-runtime-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/vendor/wp-polyfill.min.js?ver=3.15.0" id="wp-polyfill-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/dom-ready.min.js?ver=f77871ff7694fffea381" id="wp-dom-ready-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/hooks.min.js?ver=2810c76e705dd1a53b18" id="wp-hooks-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/i18n.min.js?ver=5e580eb46a90c2b997e6" id="wp-i18n-js"></script> <script type="text/javascript" id="wp-i18n-js-after"> /* <![CDATA[ */ wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); /* ]]> */ </script> <script type="text/javascript" src="https://seniormark.com/wp-includes/js/dist/a11y.min.js?ver=d90eebea464f6c09bfd5" id="wp-a11y-js"></script> <script type="text/javascript" defer='defer' src="https://seniormark.com/wp-content/plugins/gravityforms/js/jquery.json.min.js?ver=2.5.10" id="gform_json-js"></script> <script type="text/javascript" id="gform_gravityforms-js-extra"> /* <![CDATA[ */ var gform_i18n = {"datepicker":{"days":{"monday":"Mon","tuesday":"Tue","wednesday":"Wed","thursday":"Thu","friday":"Fri","saturday":"Sat","sunday":"Sun"},"months":{"january":"January","february":"February","march":"March","april":"April","may":"May","june":"June","july":"July","august":"August","september":"September","october":"October","november":"November","december":"December"},"firstDay":1,"iconText":"Select date"}}; var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2},"base_url":"https:\/\/seniormark.com\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/seniormark.com\/wp-content\/plugins\/gravityforms\/images\/spinner.svg","strings":{"newRowAdded":"New row added.","rowRemoved":"Row removed","formSaved":"The form has been saved. The content contains the link to return and complete the form."}}; /* ]]> */ </script> <script type="text/javascript" defer='defer' src="https://seniormark.com/wp-content/plugins/gravityforms/js/gravityforms.min.js?ver=2.5.10" id="gform_gravityforms-js"></script> <script type="text/javascript" defer='defer' src="https://seniormark.com/wp-content/plugins/gravityforms/js/placeholders.jquery.min.js?ver=2.5.10" id="gform_placeholder-js"></script> <script type="text/javascript"> if( window['jQuery'] ) { ( function( $ ) { $( document ).bind( 'gform_post_render', function() { var $firstError = $( 'li.gfield.gfield_error:first' ); if( $firstError.length > 0 ) { $firstError.find( 'input, select, textarea' ).eq( 0 ).focus(); document.body.scrollTop = $firstError.offset().top; } } ); } )( jQuery ); } </script> <script type="text/javascript"></script> <div class='gf_browser_ie gf_browser_ie7 gform_wrapper gform_legacy_markup_wrapper' id='gform_wrapper_4' ><form method='post' enctype='multipart/form-data' id='gform_4' action='/3-questions-must-ask-enrolling-medicare-part-b/' > <div class='gform_body gform-body'><ul id='gform_fields_4' class='gform_fields top_label form_sublabel_below description_below'><li id="field_4_1" class="gfield gfield_contains_required field_sublabel_hidden_label field_description_below hidden_label gfield_visibility_visible" ><label class='gfield_label gfield_label_before_complex' >Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_4_1'> <span id='input_4_1_3_container' class='name_first' > <input type='text' name='input_1.3' id='input_4_1_3' value='' aria-label='First name' tabindex='2' aria-required='true' placeholder='First Name*' /> <label for='input_4_1_3' class='hidden_sub_label screen-reader-text'>First</label> </span> <span id='input_4_1_6_container' class='name_last' > <input type='text' name='input_1.6' id='input_4_1_6' value='' aria-label='Last name' tabindex='4' aria-required='true' placeholder='Last Name*' /> <label for='input_4_1_6' class='hidden_sub_label screen-reader-text'>Last</label> </span> </div></li><li id="field_4_2" class="gfield gfield_contains_required field_sublabel_below field_description_below hidden_label gfield_visibility_visible" ><label class='gfield_label screen-reader-text' for='input_4_2' >Email*<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_2' id='input_4_2' type='text' value='' class='large' tabindex='6' placeholder='Email*' aria-required="true" aria-invalid="false" /> </div></li><li id="field_4_3" class="gfield gform_validation_container field_sublabel_below field_description_below gfield_visibility_visible" ><label class='gfield_label' for='input_4_3' >Phone</label><div class='ginput_container'><input name='input_3' id='input_4_3' type='text' value='' /></div><div class='gfield_description' id='gfield_description_4_3'>This field is for validation purposes and should be left unchanged.</div></li></ul></div> <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_4' class='gform_button button' value='Subscribe Now' tabindex='7' onclick='if(window["gf_submitting_4"]){return false;} window["gf_submitting_4"]=true; ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_4"]){return false;} window["gf_submitting_4"]=true; jQuery("#gform_4").trigger("submit",[true]); }' /> <input type='hidden' class='gform_hidden' name='is_submit_4' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='4' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_4' value='WyJbXSIsImQ2MzMxMTc5MWVkNDkxZTJmNWYyYzNjODg2OWM5Mzk0Il0=' /> <input type='hidden' class='gform_hidden' name='gform_target_page_number_4' id='gform_target_page_number_4' value='0' /> <input type='hidden' class='gform_hidden' name='gform_source_page_number_4' id='gform_source_page_number_4' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> <script type='text/javascript'> /* <![CDATA[ */ r3f5x9JS=escape(document['referrer']); hf4N='aabec833b0bf4cb5f00a1b7a6b51eea8'; hf4V='a97ab8ca554114d0f7f840156e8ed5de'; jQuery(document).ready(function($){var e="#commentform, .comment-respond form, .comment-form, #lostpasswordform, #registerform, #loginform, #login_form, #wpss_contact_form, .gform_wrapper form";$(e).submit(function(){$("<input>").attr("type","hidden").attr("name","r3f5x9JS").attr("value",r3f5x9JS).appendTo(e);return true;});var h="form[method='post']";$(h).submit(function(){$("<input>").attr("type","hidden").attr("name",hf4N).attr("value",hf4V).appendTo(h);return true;});}); /* ]]> */ </script> </form> </div></div><div id="categories-2" class="widget widget_categories"><h4 class="widgettitle">Blog Categories</h4> <ul> <li class="cat-item cat-item-126"><a href="https://seniormark.com/category/employer/">Employer</a> </li> <li class="cat-item cat-item-124"><a href="https://seniormark.com/category/financial-planning/">Financial Planning</a> <ul class='children'> <li class="cat-item cat-item-130"><a href="https://seniormark.com/category/financial-planning/401k-planning/">401(k) planning</a> </li> <li class="cat-item cat-item-134"><a href="https://seniormark.com/category/financial-planning/annuities/">Annuities</a> </li> </ul> </li> <li class="cat-item cat-item-133"><a href="https://seniormark.com/category/guaranteed-issue/">Guaranteed Issue</a> </li> <li class="cat-item cat-item-125"><a href="https://seniormark.com/category/health-and-wellbeing/">Health and wellbeing</a> </li> <li class="cat-item cat-item-22"><a href="https://seniormark.com/category/medicare/">Medicare</a> </li> <li class="cat-item cat-item-23"><a href="https://seniormark.com/category/medicare-advantage/">Medicare Advantage</a> </li> <li class="cat-item cat-item-131"><a href="https://seniormark.com/category/medicare-annual-enrollment/">Medicare Annual Enrollment</a> </li> <li class="cat-item cat-item-24"><a href="https://seniormark.com/category/medicare-drug-plan/">Medicare Drug Plan</a> </li> <li class="cat-item cat-item-25"><a href="https://seniormark.com/category/medicare-supplement/">Medicare Supplement</a> </li> <li class="cat-item cat-item-132"><a href="https://seniormark.com/category/medicare-workshop/">Medicare Workshop</a> </li> <li class="cat-item cat-item-3"><a href="https://seniormark.com/category/news/">News</a> </li> <li class="cat-item cat-item-66"><a href="https://seniormark.com/category/retirement-planning-2/">Retirement Planning</a> </li> <li class="cat-item cat-item-27"><a href="https://seniormark.com/category/social-security/">Social Security</a> </li> <li class="cat-item cat-item-46"><a href="https://seniormark.com/category/state-teachers-retirement/">State Teachers Retirement</a> </li> <li class="cat-item cat-item-1"><a href="https://seniormark.com/category/uncategorized/">Uncategorized</a> </li> </ul> </div><div id="sow-editor-2" class="widget widget_sow-editor"><div class="so-widget-sow-editor so-widget-sow-editor-base" > <div class="siteorigin-widget-tinymce textwidget"> <p style="text-align: center;"><img decoding="async" class="alignnone wp-image-606 size-medium" src="https://seniormark.com/wp-content/uploads/2016/07/seniormark-turning-65-ebook-image-e1548777671797-293x300.png" alt="solving the medicare puzzle ebook" width="293" height="300" srcset="https://seniormark.com/wp-content/uploads/2016/07/seniormark-turning-65-ebook-image-e1548777671797-293x300.png 293w, https://seniormark.com/wp-content/uploads/2016/07/seniormark-turning-65-ebook-image-e1548777671797.png 298w" sizes="(max-width: 293px) 100vw, 293px" /></p> <p style="text-align: center;">Ready to retire and unsure what to do next? Get our "Introduction to Medicare” eBook to start to make sense of Medicare and your options.</p> <p style="text-align: center;"><a class="button large red" href="https://seniormark.com/get-turning-65-ebook/">GET MY EBOOK</a></p> </div> </div></div> </div> </div>  </div>  <footer class="footer" role="contentinfo"> <div id="inner-footer" class="row"> <div class="large-4 medium-4 small-12 columns"> <p><a href="https://seniormark.com"><img loading="lazy" decoding="async" class="alignnone wp-image-74 size-full" src="https://seniormark.com/wp-content/uploads/2016/07/Footer_logo.png" alt="Footer_logo" width="215" height="51" /></a></p> <p>Advisory Services are offered through Creative Financial Designs, Inc., a Registered Investment Advisor, 2704 South Goyer Rd., Kokomo, IN 46902. 765-453-9600. Seniormark, LLC is not an affiliate of Creative Financial Designs, Inc.</p> <p><a href="https://creativefinancialdesigns.com/wp-content/uploads/2021/04/SEC-Form-CRS.pdf">CFD Investments and Creative Financial Designs Form CRS</a> </p> <p>Seniormark, LLC is not connected with or endorsed by the United States government or the federal Medicare program.</p> <p>We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.</p> </div> <div class="large-4 medium-4 medium-offset-1 small-12 columns"> <p>2551 Michigan Street ∙ Sidney, OH 45365<br /> 59B N. Dixie Drive ∙ Vandalia, OH 45377<br /> <a href="mailto:admin@seniormark.com">admin@seniormark.com </a></p> <p><a href="tel:937-492-8800">Phone: 937-492-8800 </a></p> <p><strong>Calling the above number will direct you to a licensed insurance agent.</strong></p> </div> <div class="large-2 medium-2 medium-offset-1 small-12 columns"> <form role="search" method="get" class="search-form" action="https://seniormark.com/"> <label> <input type="search" class="search-field" placeholder="Search..." value="" name="s" title="Search for:" /> </label> </form> <a class="facebook-icon-footer" href="https://www.facebook.com/seniormark"> <img src="https://seniormark.com/wp-content/themes/seniormark/assets/images/facebook_icon.png" /> </a> </div> </div>  <div class="util-footer">Copyright © 2025 Seniormark | <a href="https://seniormark.com/privacy-policy/">Privacy Policy</a> | <a href="https://seniormark.com/meds/">Prescription Meds Form</a> </div> </footer>  </div>  </div>  </div>  <div class="mn-navigation-wrap"> <div class="mn-icon-wrap"> <div class="icono-bars"></div> <div class="icono-cross"></div> </div> <div class="mn-menu-wrap"> <ul id="menu-main-menu-2" class="mobile-navigation"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-629"><a href="https://seniormark.com/">Home</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-169"><a href="https://seniormark.com/services/">Services</a> <ul class="sub-menu"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-620"><a href="https://seniormark.com/medicare-supplement-insurance/">Medicare Supplement Insurance</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-619"><a href="https://seniormark.com/medicare-advantage-plans/">Medicare Advantage Plans</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-621"><a href="https://seniormark.com/part-d-prescription-drug-plans/">Part D Prescription Drug Plans</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-623"><a href="https://seniormark.com/social-security-planning/">Social Security Planning</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-622"><a href="https://seniormark.com/retirementincome-planning/">Retirement/Income Planning</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154979"><a href="https://seniormark.com/workshops/">Workshops</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-154799"><a href="https://seniormark.com/employers/">Employers</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-168"><a href="https://seniormark.com/resources/">Resources</a> <ul class="sub-menu"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155581"><a href="https://seniormark.com/medicare-minute/">Medicare Minute</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current_page_parent menu-item-614"><a href="https://seniormark.com/blog/">Blog</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-631"><a href="https://seniormark.com/resources/">Get My Free Medicare Supplement Rate</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-166"><a href="https://seniormark.com/about/">About</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-155871"><a href="https://seniormark.com/accounts/">Accounts</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-165"><a href="https://seniormark.com/contact/">Contact</a></li> </ul> </div> </div> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/mobile-navigation/js/custom.js?ver=1.0.0" id="script-name-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/responsive-accordion-and-collapse/js/accordion-custom.js?ver=2d12d4d9fc2cbcf39e3d20f06141885a" id="call_ac-custom-js-front-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/responsive-accordion-and-collapse/js/accordion.js?ver=2d12d4d9fc2cbcf39e3d20f06141885a" id="call_ac-js-front-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/so-widgets-bundle/js/carousel.min.js?ver=1.59.0" id="sow-carousel-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/so-widgets-bundle/widgets/post-carousel/js/script.min.js?ver=1.59.0" id="sow-post-carousel-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/plugins/wp-spamshield/js/jscripts-ftr2-min.js" id="wpss-jscripts-ftr-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/themes/seniormark/vendor/what-input/what-input.min.js?ver=2d12d4d9fc2cbcf39e3d20f06141885a" id="what-input-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/themes/seniormark/assets/js/foundation.js?ver=6.2" id="foundation-js-js"></script> <script type="text/javascript" src="https://seniormark.com/wp-content/themes/seniormark/assets/js/scripts.js?ver=2d12d4d9fc2cbcf39e3d20f06141885a" id="site-js-js"></script> <script type="text/javascript"> /* <![CDATA[ */ gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 4) {if(typeof Placeholders != 'undefined'){ Placeholders.enable(); }} } );jQuery(document).bind('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } ); /* ]]> */ </script> <script type="text/javascript"> /* <![CDATA[ */ gform.initializeOnLoaded( function() { jQuery(document).trigger('gform_post_render', [4, 1]) } ); /* ]]> */ </script> <script> jQuery('.home .big-picture-container').click(function() { window.location = 'https://seniormark.com/services'; }); </script> </body> </html>