Turning 65 Medicare Help
Get Ready for Medicare
- Call 304-252-2158
- Compare Your Options
- Costs & Penalties To Know (2025)
- Choosing Your Path at 65
- See Plans
- Common Questions When You’re Turning 65
Get Ready for Medicare
Check Your Enrollment Window
- Call 304-252-2158
- Compare Your Options
- Start Now
- Request a Call
- See Plans
- Choosing Your Path at 65
Get Ready for Medicare
Common Questions When You’re Turning 65
Do I need Part A at 65? Many people enroll in premium‑free Part A at 65. If you’re still contributing to an HSA, delaying Part A may make sense.
Can I delay Part B? Yes, if you have qualifying employer coverage from current work. Otherwise, enroll during your IEP to avoid penalties.
Do I need Part D if I’m keeping employer coverage? Only if your employer drug coverage isn’t creditable. If it is, you can delay Part D without a penalty.
Is COBRA good enough? COBRA usually doesn’t protect you from the Part B late‑enrollment penalty. Don’t rely on COBRA to delay Part B safely.
What about dental/vision/hearing? Original Medicare generally doesn’t cover these; some Advantage plans include limited benefits.
Compare Your Options
Turning 65 soon? Songer Insurance can explain your options—Original Medicare, Medigap, Medicare Advantage, and Part D—and help you enroll at the right time.
- Request a Call
- See Plans
- Turning 65 Medicare Help
- Costs & Penalties To Know (2025)
- Choosing Your Path at 65
- Call 304-252-2158
About Songer Insurance
Beckley-based independent agency helping Medicare beneficiaries compare Medicare, Part D, and Supplement plans across West Virginia.
Service Provided
Personalized Medicare plan comparisons — HMO, PPO, and $0 premium options — with local, no-cost enrollment help.
Enrollment Timeline
Enroll during your Initial Enrollment Period (around age 65) or during the Annual Enrollment Period (October 15–December 7). Songer Insurance provides year-round guidance for coverage reviews and plan changes.
Get Ready for Medicare
See Plans
QUESTIONS & ANSWERS
Common questions about Medicare (Part C) plans in West Virginia.
We understand that Medicare can be confusing, especially when deciding between different Medicare Advantage (Part C) plans. Here are some of the most common questions our West Virginia clients ask when reviewing their options — and how Songer Insurance helps make the process simple and local.
Medicare plans are offered by private insurance companies approved by Medicare. They combine your Part A (hospital) and Part B (medical) coverage—and often include prescription drug coverage (Part D)—into one convenient plan.
Many plans offer extra perks that Original Medicare doesn’t cover, such as dental, vision, hearing, fitness memberships, over-the-counter allowances, and transportation to medical appointments.
Yes. Several West Virginia counties have $0 premium options, meaning you pay no additional monthly premium beyond your standard Part B premium. Costs and availability vary by ZIP code—we’ll compare plans for you.
It depends on the plan’s provider network. HMO plans usually require you to stay in-network, while PPO plans let you see out-of-network doctors for higher copays. Songer Insurance will confirm your doctors before you enroll.
Most plans include built-in Part D drug coverage. We’ll review your medication list to ensure each prescription is covered affordably and that your pharmacy is in-network.
Initial Enrollment: 3 months before through 3 months after your 65th birthday month.
Annual Enrollment (Oct 15–Dec 7): Review or change your plan for next year.
Open Enrollment (Jan 1–Mar 31): Switch plans or go back to Original Medicare.
Special Enrollment Periods apply if you move or lose other coverage.
Turning 65 Medicare Help
Songer Insurance helped me find a Medicare plan that included my doctors, prescriptions, and even dental — all with no extra premium. They made everything simple! — Mary L., Beckley, WV
Frequently Asked Questions About Medicare (Part C) Plans
What We Do & How You Benefit!
We’ve helped hundreds of West Virginians navigate Medicare. Here are answers to some of the most common questions about how we help you compare plans, confirm your doctors, and make the most of your Medicare benefits.
We’re local, independent, and focused on you. We compare all major Medicare carriers in West Virginia — including Aetna, Humana, Cigna, and UnitedHealthcare — to find a plan that fits your doctors, prescriptions, and budget.
We’ll help you review HMO, PPO, and Special Needs Plans (SNPs). Each plan has different benefits and networks — we make it easy to find one that includes your preferred providers.
We shop all carriers in your area to find $0 premium options and plans with low out-of-pocket costs, ensuring you get the best value possible — all at no cost to you.
Yes. You can schedule a free consultation at our Beckley office, by phone, or through a virtual appointment — whichever works best for you.
Check Your Enrollment Window
READY TO GET STARTED?
Get Free, Local Medicare Help Today
Our licensed Medicare agents are based right here in Beckley, West Virginia. Whether you’re turning 65 or reviewing your current plan, we’ll help you compare Medicare Supplement (Medigap) options and find the best fit — at no cost to you.
Our Location
330 Haper Park Suite A. Beckley, WV 25801
Our Phone
304-252-2158
Mail Address
info@songerinsurance.com
Get Help With Your Medicare Plan
We’re here to help you compare your Medicare Advantage (Part C) options — including HMO, PPO, and $0 premium plans — and make sure your doctors, prescriptions, and benefits are all covered. Reach out today for free, local help from Songer Insurance in Beckley, WV.
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