No, you don’t have to get Medicare coverage when you become 65. However, Part A (hospital coverage) is free for most Americans, so there isn’t an advantage in not accepting Part A coverage.

You may decide to delay Part B coverage, but you will likely have to pay more for that coverage when you eventually sign up. Medicare may charge a 10% for each year that you don’t sign up for Part B.

So, if you wait three years to sign up for Part B after becoming eligible, you’ll likely pay 30% higher premiums for Part B.

Turning 65 automatically makes you eligible for Medicare coverage.

Whether you decide to sign up for coverage is up to you.

Yes! All insurance brokers are required by law to be licensed in each state they do business. You can find our licenses here.

No. We’re an independent insurance broker, which means that we're not owned by an insurance company, nor do we own one. Instead, we sell insurance policies from multiple insurers without bias or favor toward any of them. It’s important to us that we help you find the right insurance policy for your needs — not which company you buy it from.

Insurance rates are regulated by law, which means that no company, broker, or agent can offer you a discount on a policy. That doesn't mean you can't find ways to save money, though! Each insurer calculates risk differently, and they all strive to offer policies at competitive prices. That's why Avidrock helps you compare quotes from multiple companies in one place: to make it easy to spot potential savings.