1. Know your enrollment window
Your Initial Enrollment Period is seven months long — it starts three months before the month you turn 65 and ends three months after. Enrolling on time helps you avoid lifelong late penalties.
2. Understand the parts
- Part A — hospital and inpatient care
- Part B — doctor visits and outpatient care
- Part C (Medicare Advantage) — all-in-one private plans
- Part D — prescription drug coverage
- Medigap — supplements that help pay what Original Medicare doesn't
3. Gather your details
Make a list of your doctors, prescriptions, and preferred pharmacy. This lets us verify that a plan actually works for you before you enroll.
4. Talk to a specialist
One free call with our team and we'll compare plans from multiple carriers side by side — no cost, no obligation.