Medicare Expert Senta Curran CFP®: Can someone who is 65 or older who is still working for a large employer choose to disenroll from the employer plan and enroll in Medicare as a special enrollment period. In other words, there is not requirement that someone eligible for employer health coverage must elect it rather than Medicare, right? And they can sign up at any time?

Correct. The special enrollment period includes the time the person is covered by the over-20 employer plan. In other words, he can choose to go off the employer plan and enroll in Medicare any time after turning 65. As more employers cut back on health insurance, offer high -deductible plans, etc. it often makes sense to opt for Medicare over the employer plan.

Senta Curran, CFP® is the owner of Curran Financial, The George Thompson Agency and Medicare Made 4U. She has provided both financial advice and medicare solutions for nearly two decades. Senta states, “In our everchanging field there are often more questions than answers. We must work collaboratively to provide the best service we can and not rely completely on technology to solve important personal challenges.”

Senta Curran brings three facets essential to the success of the Medicare Made 4U team. Senta has a burning passion to help others, an unquenchable thirst for learning and the solid foundation of decades of experience.

Senta states, “This business is about building strong relationships, understanding the essential needs of your clients and delivering on your promises.” She holds a strong belief that a financial planner’s job goes beyond the numbers. She adds, “If you are doing your job well, you are there through life’s difficult and prosperous times alike, you are a coach, advisor and confidant.” Senta followed her thirst for learning to gain two bachelor’s degrees, a Certified Financial Planner designation and an MBA (Master of Business Administration) ChFC (Chartered Financial Consultant) CLU (Chartered Life Underwriter) CLTC (Certified for Long-Term Care.)