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MAA / Resources / Frequently Asked Questions / Turning 65

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It is true that there are financial penalties sometimes with Medicare. However, it's very important to know if and when those penalties would occur and how to avoid them.

Depending on the number of employees your company has, you may be able to waive Medicare Part B without any penalties, stay on your group insurance, and enroll into Medicare at a later date saving you thousands of dollars per year. But many group policies have become more expensive over the years and depending on your out-of-pocket costs, it may be beneficial for you to start Medicare as soon as possible.

Our team can help you compare your options.


Typically, once a person is approved for Social Security Disability they will be eligible for Medicare two years after they first applied for disability benefits.

Some conditions like ALS will award Medicare to an individual immediately without having to wait two years. Medicare for a person under the age of 65 has the same benefits as a person 65 or older.


For people who are turning 65 or past 65 and retiring, we'll first help you understand the four parts of Medicare and then guide you through the enrollment process.

We'll help make the transition from your employer's insurance to Medicare so much easier.

If you're already on Medicare, you can change plans during the annual election period known as AEP which runs October 15th - December 7th. We help you compare plans during this time, so you'll always have confidence knowing you're in the right plan each year.


Becoming a client is easy.

Contact Us or call us at (205)704-9020 and let's talk.

Our retail office is now open at 2116 Columbiana Road in Vestavia. We're opened 9am-4pm Monday through Friday.