Sandra Powers Medicare
Empowerment. Education. Wellness

Sandra Powers
Medicare Insurance Navigator
I am proud to share I am a Cancer survivor but like everyone I had my own experience. During my battle with Cancer, I underwent 12 surgeries over 7 years, and learning the healthcare system was a MUST for me.
After navigating through several insurance carriers during my fight, I had to learn how different insurance carriers worked and how important it was to have the appropriate health insurance to cover all my Specialist treatment. By the end of my treatment, I was left owing over $14,000 in medical bills due to co-insurance. I knew then my purpose was to become an independent insurance agent.
I often receive the question, “Why insurance and why are you independent?” My response is always the same, “healthcare is NEVER a one-size fits all security blanket.” One carrier, one plan, one option… no way! What does this mean for you? I take in the whole picture, and I assist in creating your personalized portrait. And there begins your Medicare journey the Power(ful) way!
Not sure what you need? Let me answer all your questions!
Medicare FAQ's
Got questions? We've got answers

You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65.
The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.
If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.
If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.
Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.
If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.