Turning 65? Start Here
Approaching 65 is one of the most important enrollment windows of your life. Miss it and you can face lifelong penalties. We'll walk you through every step so you sign up on time and choose the right coverage — with zero pressure.
Your Initial Enrollment Period (IEP)
A 7-month window: the 3 months before your 65th-birthday month, your birthday month, and the 3 months after. Enrolling early means your coverage starts on time.
3 months before
The best time to plan. We review your doctors, drugs and budget so you're ready to enroll the moment your window opens.
Enroll in Parts A & B
Sign up through Social Security (or confirm auto-enrollment). We make sure nothing falls through the cracks.
Choose your coverage
Advantage, or a Supplement + Part D? We compare both against what matters to you and handle the paperwork.
Common 65 pitfalls we help you dodge
Late-enrollment penalties
Missing your window can add permanent penalties to Part B and Part D. We keep you on schedule.
Picking on price alone
The cheapest plan can cost the most if your drugs or doctors aren't covered. We check first.
Going it alone
The government won't recommend a plan. Our concierge guidance is free — and unbiased.
Have employer coverage at 65?
You may be able to delay Medicare without penalty — but the rules are tricky. See the Still Working guide →
Get your personal Medicare roadmap
Book a free call and we'll map out exactly what to do and when — step by step.