Free help to enroll in Medicare: Quick tips
By Genoveva Tavera
Turning 65 is a big milestone in life. It also means it’s time to sign up for Medicare, the government health insurance program for older adults and people with certain disabilities. We know this process can feel confusing, but you are not alone: in Waltham there is a free and confidential program called SHINE (Serving the Health Insurance Needs of Everyone) that offers personalized counseling.
What is Medicare?
Medicare is a federal health program that helps cover:
- Part A: Hospital stays
- Part B: Doctor visits and outpatient care
- Part D: Prescription drugs
In addition, there are options such as Medicare Advantage (Part C) and supplemental insurance called Medigap.
How do I sign up?
1. Contact Social Security when you turn 65 (or earlier if you qualify due to a disability).
2. Once enrolled in Medicare, a SHINE counselor can help you:
- Compare health and drug plans
- Understand your benefits
- Save money if you qualify for programs like the Medicare Savings Plan through MassHealth
Why is it important to review my plan?
Every year, costs and coverage change. That’s why, during Open Enrollment (Oct. 15 to Dec. 7), it is important to review your plan to make sure it is still the best fit for you.
Free Counseling
SHINE counselors in Waltham:
- Are trained volunteers (over 50 hours of training)
- Provide free and confidential assistance
- Are available year-round for new users
- Available languages English, Spanish, and Portuguese
How to Make an Appointment
Call the Waltham Council on Aging: 📞 781-314-3499
Leave your message with the receptionist, and a Shine counselor will call you back.
A Resource that Makes a Difference
In 2024, more than 84,000 people in Massachusetts received help from Shine. For many older adults, especially in our Waltham community, this service means peace of mind, savings and access to the medical care they need.
👉 Tip: Don’t wait until October to book your appointment, because spots fill up quickly.
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