Turning 65 brings important healthcare decisions. We help you navigate Medicare with clarity and confidence.
We have licensed insurance agents who guide clients through Medicare enrollment and coverage decisions. This is separate from our financial planning services, but it's an important part of helping you make the turn into retirement.
Medicare can be confusing. There are enrollment windows, coverage gaps, and decisions that become permanent. We help you understand your options and make choices that fit your situation.
What we provide:
We work with multiple insurance carriers, so we can show you options and help you compare. There's no cost for our guidance, and you're never obligated to enroll.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people don't pay a premium for Part A if they paid Medicare taxes while working.
Covers doctor visits, outpatient care, preventive services, and medical supplies. Requires a monthly premium. You can delay Part B if you have creditable coverage through an employer.
Private insurance plans that cover Parts A and B, often including Part D prescription drug coverage. These plans may have networks and require referrals, but often include extra benefits.
Helps cover the cost of prescription medications. Available as a standalone plan or included in Medicare Advantage. There's a penalty for late enrollment if you don't have creditable coverage.
Once you're enrolled in Original Medicare (Parts A and B), you have two main options for additional coverage:
Medicare Supplement (Medigap): Works alongside Original Medicare. You see any doctor who accepts Medicare. Predictable costs. You'll need a separate Part D plan for prescriptions.
Medicare Advantage: Replaces Original Medicare with a private insurance plan. Often includes prescription drug coverage. May have networks and require referrals. Can include extra benefits like dental and vision.
Neither option is universally better. The right choice depends on your health, budget, doctors, and prescriptions.
Initial Enrollment Period: 7 months (3 months before your 65th birthday, your birthday month, and 3 months after). Missing this window can result in penalties.
Special Enrollment Period: If you delay Part B due to employer coverage, you typically have 8 months after that coverage ends to enroll without penalty.
Annual Enrollment Period: October 15 - December 7 each year. Time to review and change your Medicare Advantage and Part D coverage.
Our checklist walks you through the Medicare enrollment process with timelines for 9 months, 6 months, and 3 months before your 65th birthday.
Download ChecklistImportant Disclosure: Not connected with or endorsed by the U.S. government or federal Medicare program. This is a solicitation of insurance and your response may generate communication from a licensed agent/producer. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Fill out the form below and one of our licensed insurance agents will be in touch to help you understand your Medicare options.
A licensed insurance agent will contact you within 1-2 business days.