Turning 65? Confused by Medicare?

It depends. If you have creditable employer coverage, you may be able to delay some parts of Medicare without penalty. We can help assess your situation.

You may be able to delay Medicare without penalty if you have qualifying employer group coverage. We'll help you determine if it's safe to wait or better to enroll.

Yes — people under 65 may qualify for Medicare if they’ve been on Social Security Disability Insurance (SSDI) for 24 months, or have ALS or end-stage renal disease.

Yes — in most cases, you’ll be automatically enrolled in Part A and Part B when you turn 65 if you’re receiving Social Security benefits. But it’s still smart to review your options and speak with an advisor.

You can enroll online through Social Security, by phone, or with the help of a licensed Medicare advisor. We offer free step-by-step assistance to ensure everything is done correctly.

You may face permanent penalties and limited coverage options. It’s critical to understand your deadlines — we’ll make sure you don’t miss them.

If you miss your enrollment window, you may face a 10% Part B penalty for every 12 months you delayed — for life. Part D also has its own penalty. We help you avoid both.

Yes. As licensed advisors, we’re compensated by insurance carriers in certain instances, but never by you. In fact, licensed advisors are legally forbidden to charge beneficiaries directly for services.

In general, Part A covers hospital care, while Part B covers doctor visits, outpatient care, and preventive services. You usually get both when you enroll in Original Medicare.

First of all, it depends on what benefits you currently have and qualify for. It also depends on your budget, health needs, and preferences. You must consult with someone who has insight and expertise in Medicare to explore all of your options. We explain the differences and help you compare options — there’s no one-size-fits-all answer.

If you elect to enroll in some type of supplemental coverage - Yes; You are never permanently tied to any one plan. You can make changes each year during the Annual Enrollment Period (Oct 15 – Dec 7), or during special enrollment periods if you qualify.

You can certainly enroll on your own if you feel equipped to do so. However, Medicare changes year-to-year and our experience tells us that most beneficiaries are not completely aware of how these changes affect them, their coverage and benefits. Working with a trusted Medicare advisor ensures you don’t make mistakes or miss better options. Since our support is 100% free, you have nothing to lose - only to gain by working with a guide.