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I’m glad you are here. Let’s talk Medicare. I am a phone call or email away.  If you are new to Medicare and need help, fill out my contact form below.

Turning 65?  

Initial Enrollment Period (IEP):

• Starts 3 months before the month you turn 65

• Includes your birthday month

• Ends 3 months after

• Total window: 7 months

Example:
If your birthday is in October, your enrollment window is:
July 1 – January 31

Why this matters:

• Enrolling late can lead to lifetime penalties-IF you don't have a large group health plan from employers. 

• Coverage can be delayed if you miss your window

Good to know:
If you’re already receiving Social Security, you’re usually automatically enrolled in Parts A and B.

 

Still working and over 65? There are special enrollment periods each year and certain individuals do not need to enroll in Medicare-this can get confusing and costly! Ready to leave your group health plan? Thinking about quitting/retiring soon? Let's talk!

Watch for These Common Mistakes

• Missing your enrollment window

• Assuming Medicare is automatic

• Not enrolling in Part D when required

• Keeping an HSA after enrolling in Part A

• Waiting too long to buy a supplement

• Not confirming employer coverage rules

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Already have Medicare?

Over the years I have found that many people do not understand how their plans work. We go along until something drastic happens that make us realize there are many complications to Medicare insurance plans. I can help. Contact me now.

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