Legal Blog

The Weekly Scenario: Medicare Benefits

Question: When do Medicare benefits begin and when is the typical time to apply?

Medicare benefits start at age 65, but also cover disabled individuals under age 65. Seniors typically must apply for benefits during the 7 month period from 3 months before age 65 through 3 months after that birthday. Many people also purchase a Medicare supplement or Medigap policy in addition to Medicare coverage as well as a Part D prescription drug plan.

Medigap policies and Part D plans might not be necessary if individuals enroll in a Medicare Advantage plan from a private insurer (though these plans will likely require using in network providers).

In 2017, after total out of pocket spending reaches $4,950, Medicare and the insurer generally pay for 95% of drug costs.

Comment: There are programs such as SHINE (Serving Health Insurance Needs of Everyone) which assist people to make the Medicare plan decision that is most suitable. There are also state assistance programs available.





As always, if you have any questions or would like to learn more, please contact Steve Shane at or 301.575.0313.


Steve Shane Casual Small | 301.575.0313

Steve Shane provides strategic counseling to clients in need of estate administration, charitable giving and business continuity planning while minimizing estate, gift, and generation-skipping transfer tax exposure. He offers legal guidance to clients on asset protection and the proper disposition of assets in accordance with the client’s objectives, while employing tax planning techniques such as the use of irrevocable trusts, life insurance planning, lifetime gifts and charitable trust. He is also experienced with drafting documents for business planning, the incorporation and application for exemption for Private Foundations and the administration of decedents’ estates.



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