The Medicare enrollment process can be overwhelming, and it’s easy to make costly mistakes if you’re not well-informed.

Don’t Miss your Initial Enrollment Period. Your Initial Enrollment Period begins three months before your 65th birthday month and ends three months after. However, if your birthday is on the 1st day of the month, your initial enrollment period is four months before your 65th birthday month and ends two months after. Failing to enroll on time can result in late penalties and gaps in coverage.

Don’t assume Medicare covers everything. Original Medicare provides Part A (Hospital Insurance) and Part B (Medical Insurance) - each has its limits, exclusions and some costs. Additionally, original Medicare doesn’t cover vision, dental, or long-term care. To avoid gaps in your coverage, many elect to enroll in a Medicare Advantage plan or will add supplemental coverage like Medigap and a Part D prescription drug plan.

Don’t rely solely on advice from friends or family. Meeting with a licensed Medicare advisor can help ensure you choose a plan that’s tailored to your specific health and financial needs, giving you greater confidence and peace of mind in your coverage decisions.

By learning and planning, you can meet deadlines, and get expert guidance, which will allow you to make confident, cost-effective Medicare decisions.

Our services are never a cost to you, so please don’t hesitate to call our office and schedule an appointment (303) 887-8584. You can also scan the QR code (in my adjacent ad) and attend one of our in-person or virtual seminars to learn.

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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.