Medicare

When do I apply for Medicare?

Start the enrollment process approximately 90 days before you need your Medicare to begin.

Medicare Part B

If you are on a group health plan when you turn 65, you do not need to sign up for Medicare Part A or Part B.  Medicare Part B is only required if you do not have other group health insurance.  There is a penalty of 10% if you do not have group health insurance for each year you choose not to apply.  However, the penalty is waived if you are actively working and covered by group health insurance or your spouse is actively working and you are covered by their group health insurance.

Medicare and HSA

You and your employer are not eligible to contribute to an HSA once you are enrolled in Medicare Part A and/or Part B or Social Security.  If you register on the Medicare website to waive Part B, you will automatically be enrolled in Part A.  Once you are enrolled in Part A you cannot decline it and you would then not be allowed to contribute to an HSA.  

The year that you retire and sign up for Medicare, stop making contributions to your HSA 6 months prior to taking Medicare because Medicare Part A will back date 6 months prior to your start date and per IRS regulations you are not eligible to contribute once on Medicare.  For more information go to the HSA Page.

Seminars and Information

April 20, 2022 we hosted a seminar that was recorded via Zoom.  

Step-by-Step Guide for making important decisions about Medicare.

Lucie Chamberlain

Alta View Elementary

If a movie about super teachers were ever made, Lucie Chamberlain would be a prime candidate for a leading role. Fortunately for her kindergarten students at Alta View Elementary, she already thrives in a supporting role for them. Parents thank her for being a “super teacher.” She is also described as an “amazing colleague.” Whether students need help in the classroom or from home while sick, Lucie goes above and beyond to help them learn, overcome fears, and feel important and cared for. Lucie is the reason a number of kids went from hating school to loving it, according to parents. The way she exudes patience, sweetness, positive energy, and love for her students with special needs melts is appreciated and admired. One parent noted: “Both my kids wish she could be their teacher forever.” Another added:  “She treats every student like their learning and their feelings are her priority.” Super teacher, indeed!

Specialty Schools

High Schools

Elementary Schools

Middle Schools

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