You Have a 7-Month Window to Get Medicare Right — Don't Miss It
Miss your Initial Enrollment Period and you'll pay a 10% penalty for every year you delayed — for the rest of your life. Let's get this right together.
Your 7-Month Enrollment Window
This window opens 3 months before your 65th birthday and closes 3 months after.
⚠️ Miss this window and Part B premiums increase 10% for each 12-month period you were eligible but didn't enroll.
4 Key Medicare Decisions You'll Need to Make
Getting these right the first time saves money, headaches, and regret.
Original Medicare vs. Medicare Advantage?
Each has distinct networks, costs, and flexibility. The right choice depends on your doctors, travel habits, and health needs.
Do You Need a Medigap Supplement?
Original Medicare leaves gaps — the 20% you owe can add up fast. A Medigap plan covers those gaps with predictable costs.
Which Part D Plan Covers Your Medications?
Formularies vary widely. We run your prescriptions against every available plan to find the lowest total cost for you.
What About Dental, Vision & Hearing?
Original Medicare doesn't cover these. Many Advantage plans do — or we can find affordable ancillary coverage to fill the gaps.
3 Costly Mistakes Turning-65 Adults Make
Missing the Enrollment Window
The 7-month window is strict. If you miss it and don't have qualifying employer coverage, you'll pay a 10% Part B penalty for every year you were eligible — permanently reducing your benefits for life.
Keeping Employer Coverage Without Checking
If you're still working at 65 with employer insurance, you may be able to delay Medicare — but the rules are complex and depend on your employer size. Many people pay for both unnecessarily.
Picking the Cheapest Plan — Not the Best Plan
A $0-premium plan sounds great until your specialist isn't in network or your medication isn't covered. We help you find the plan that's cheapest for your specific situation.
Free Download: Medicare Made Simple 2026
The complete guide to your Medicare choices — written in plain English, not insurance jargon. Know your options before making any decisions.
Your Enrollment Window Won't Wait
The clock starts ticking 3 months before your 65th birthday. Let's make sure you're enrolled correctly — with a plan that actually fits your life.
Expert Medicare Guidance at No Cost to You
Our services are paid by the carriers — you pay nothing for our expertise. Let's find the right plan together.