Do I need Medicare at age 65:

Do I Really Need Medicare at 65?

Let's take a breath. If you're turning 65 and feeling overwhelmed by all the Medicare noise out there, you're not alone.

The truth is: not everyone needs Medicare at 65. Despite what the industry wants you to believe, many people have perfectly good reasons to delay — and that's okay.

This form helps answer the real question: "What do I actually need to do at age 65?" — not what someone trying to sell you something says you need to do.

✓ No pressure. No scare tactics. Just clear, honest guidance.

The state you reside in is: *

We've Got You Covered!

Thanks for reaching out! Unfortunately, we're not licensed in your state — but we don't want to leave you without answers.

The good news? Our friends at Thomas Insurance Group can help you with your "Do I need Medicare?" question. They're awesome to work with and will take great care of you.

Reach Out to Thomas Insurance Group

✉️ Email Thomas Insurance Group

✓ We'll let them know you're coming from us

Thanks for understanding — and best of luck with your Medicare journey!

Name*

First NameLast Name

Zip code:*

Email*

example@example.com

Best phone number*

Please enter a valid phone number.

Date of birth:*

If you are married, is your spouse currently eligible for Medicare?

I am CURRENTLY collecting Social Security benefits: *

Your CURRENT insurance coverage is through: *

Thanks for Connecting With Us!

When it comes to FEHB (Federal Employee Health Benefits) and how it coordinates with Medicare, the best move is to speak directly with someone who specializes in that space.

While we're happy to help with most Medicare situations, FEHB is its own world — and the folks below truly know it inside and out (much better than we do!):

Nicole Sherwood

National Health Insurance & Medicare Director

📞 Office:	(234) 208-7208
📱 Cell:	(330) 303-7733
✉️ Email:	nicole.sherwood@unitedbenefits.com
🌐 Website:	www.unitedbenefits.com

They work with federal retirees and employees every day and can help you make an informed decision about how to approach Medicare alongside your FEHB benefits.

Hope that helps — and feel free to circle back if anything else comes up!

Thanks for Reaching Out!

We appreciate you connecting with us! However, when it comes to TRICARE or ChampVA, you're best served going straight to the source.

These are specialized government programs with unique rules — and honestly, the folks who administer them know the precise details far better than any insurance agent could.

TRICARE

📞 Phone:	1-800-995-6281
🌐 Website:	www.tricare.mil

ChampVA

📞 Phone:	1-800-733-8387
🌐 Website:	www.va.gov/champva

Thank you for your service — and feel free to reach back out if your situation changes!

IMPORTANT: Do you have access to any RETIREE health insurance - this will typically be a former employer's plan, FEHB, TriCare for Life, ChampVA, retired union, schoolteacher, municipalities, etc.*

You May Have Great Coverage Already!

Thanks for reaching out! It sounds like you may have access to retiree health insurance through your employer — and that's a valuable benefit worth understanding fully.

Whether you worked for a public school system, state or local government, a union, or another employer offering lifetime retiree coverage, these plans vary widely — and the details matter.

Because we don't administer these plans and can't speak to their specific rules, your HR or benefits office is the best place to get clear, accurate guidance on how your coverage works alongside Medicare.

Your Next Step

Contact your HR department or retiree benefits office and ask:

How does my retiree coverage coordinate with Medicare?
Do I need to enroll in Medicare Part A and/or Part B?
Will my coverage change if I enroll (or don't enroll) in Medicare?

If you find out you don't have retiree coverage for life after all, come on back — we'd be happy to help you navigate your Medicare options!

Are you CURRENTLY putting money into a health savings account? *

Are you currently working? *

If working, please give us your timeframe for retiring and leaving employer coverage: *

If working, please give us your timeframe for retiring and leaving employer coverage:

If you have OR are applying for Medicare Part B coverage, what is your start date?

Share anything that might help us help you.

*If you have work insurance and you know how much you are paying for your coverage, please include that amount here:

Even though I may be some time away from Medicare coverage, please send me quotes on additional coverages that will help during my Medicare years that I can lock in today. Choose which you'd like to see.

Cancer policiesHospital Indemnity plansHeart attack/stroke coverageShort-term care to cover custodial/in-home care

I found your company from __________*

My advisor's name is: (OPTIONAL)

This fact sheet from CMS (i.e. Medicare) can help in your decision making as well. You can download a copy to your computer for your reference.

Since you are covered through an employer with over 20 employees, take some time to watch our video on YouTube.