Skip to main content

Taking the Guesswork Out of Medicare Blog
What if I am enrolling into Medicare and my spouse isn’t 65 yet?
September 16, 2022 at 12:00 PM
by Tara T. Claghorn Nicastro
Rittenhouse Square Insurance
These are my parents. This photo was taken Christmas and even though my mom squeamishly refused to kiss my dad, my dad took the opportunity and this photo was the result.

What do you do if you are ready to enroll into Medicare but your spouse is not 65 yet? Who can you trust to help figure out the most cost effective, comprehensive health insurance to get through the PA individual market or Pennie? Enter Riley from Aperture Consulting in State College, PA.

screenshot 2022-09-16 9.27.09 pm.png

How Does Pennie interact with Medicare?

We love to talk to seniors who are thinking ahead and trying to figure out what health insurance options they have as they look towards retirement. Part of what we do at Rittenhouse Square Insurance is help give you the big picture and a complete list of options that are unique to your specific life situation. It is very common for people who are turning 65 to have a spouse who is younger than they are and may have a few years left on “pre-65 insurance”. Pennie is the official Pennsylvania Insurance Marketplace and the only place you can get financial assistance to help lower the cost of healthcare (based on your modified adjusted gross income).

Even though we are experts on the ins and outs of Medicare, and we can assist on things like terminating Pennie plans at time of Medicare enrollment or general planning, we are not experts on the Individual Market or Pennie plans. I primarily refer people to Aperture Consulting in State College, PA for their individual insurance needs because of their integrity, efficiency, and high level of customer service they provide to everyone they interact with. Riley is the Pennie Expert at Aperture Consulting.

How Can an Agent Help You if You Need Insurance via Pennie?

  • Just as it’s important to talk to someone who knows the rules about Medicare prior to enrollment, it is equally as important to have access to an expert like Riley about Pennie and individual insurance.
    • With all rules and policies constantly changing, there are many variables that are easily overlooked by someone who doesn’t deal with insurance every day. These variables may end up costing you and your family.
  • Working with an agency like Aperture can help you and your family think outside the box and compare plans with high deductibles, HSAs, and more.
  • How can you find Riley and what is the easiest way to connect your info with him?
    • It’s pretty cool - once you register