SeniorAge Area Agency on Aging



Medicare is the federal health insurance program of people age 65 and older, people under age 65 with certain disabilities, and people of all ages with End-Stage Renal Disease or ALS. If you receive Social Security Benefits or Railroad Retirement, you will automatically be enrolled in Medicare starting on the first day of the month you turn 65. If you are under age 65 and disabled, you will be eligible for Medicare after you get disability benefits from Social Security or Railroad Retirement for 24 months. Your Medicare card will be mailed to you about 3 months before your 65thbirthday, or your 25th month of disability benefits.

If you aren’t getting Social Security or Railroad Retirement benefits, you must enroll in Medicare. Enrollment DOES NOT HAPPEN AUTOMATICALLY. Depending on your work history, you may have to pay a premium to receive Medicare. Also, if you do not enroll in Medicare when you are eligible, you may have to pay a penalty. Different parts of Medicare have different penalties for late enrollment, all of which are substantial.

Parts of Medicare

The different parts of Medicare help cover specific services

Learn More

Medicare Enrollment

Timing is everything when you’re enrolling in Medicare, and a lot depends on your specific situation. Turning 65 is a big life event, and thousands of baby boomers are doing it every day.

Learn More

Late Enrollment Penalties

Lorem ipsum dolor sit

Learn More

Changing Your Medicare Plan

Most people keep the same Medicare plan year after year without questioning whether it’s still a good choice. That could be a mistake. Changing plans is sometimes a wise thing to do. At SeiorAge, we recommend evaluating your plan each year to ensure…

Learn More

Medicare Special Enrollment Period

A Special Enrollment Period (SEP) allows you to join, change or drop a Medicare Advantage (Part C) or prescription drug (Part D) plan outside of Medicare Open Enrollment in certain situations, such as when you move. These situations are called a “qua…

Learn More


CLAIM is the Missouri State Health Insurance Assistance Program. Trained counselors provide free, unbiased advocacy, education and assistance to people with Medicare and those who help them to make informed decisions about Medicare and related health…

Learn More

New to Medicare Classes

Are you new to Medicare? Before you choose your coverage, SeniorAge offers New to Medicare classes to help you learn about the different parts of the program and steps to get you started with Medicare.

Learn More

Additional Money Savings Programs

SeniorAge can help you put money back into your pocket through these other important money savings programs. PLEASE NOTE - Gross income is the total amount of income before any deductions are applied. Social Security, wages, IRA disbursements, intere…

Learn More

You Can Make a Difference—Donate Today!