Turning 65 Soon? Here's What You Need to Know
Here’s how we can help you compare your healthcare options with confidence.
The 7-Month Enrollment Window
Medicare begins on the FIRST day of your birthday month. Enroll in the 3 months before your birthday for Day-1 coverage.
Enroll during the 3 months before your birthday for Day-1 coverage — not after. Miss the window without creditable coverage and you'll pay a lifetime 10% Part B penalty for every 12 months you delayed.
The 6 Mistakes That Cost Seniors the Most
These are the patterns we see over and over again — and they're easy to avoid with a little guidance.
Missing the Enrollment Window
The Initial Enrollment Period is a 7-month window. Miss it without creditable coverage and you'll pay a 10% lifetime Part B penalty for every 12 months you delayed.
Not Comparing Plan Types
Most people pick Supplement vs. Advantage based on what a friend has. The right choice depends on your doctors, prescriptions, and overall health — not someone else's situation.
Ignoring the 20% with No Limit
Original Medicare pays 80%, you pay 20% — with NO out-of-pocket cap. A $100,000 surgery means $20,000 out of pocket. This is the gap that destroys retirements.
Skipping Part D
Many seniors skip prescription coverage to save money. Every month without it adds 1% to your future premium permanently — even if you take zero medications today.
Ignoring Ancillary Coverage
Neither Supplements nor Advantage cover all medical expenses. Dental, vision, hearing, recovery care — the gaps add up fast and most people never plan for them.
Doing It Alone
Medicare has dozens of plan types, annual changes, and enrollment traps. Working with a licensed independent broker costs you nothing — and protects everything.
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
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