Turning 65 is more than a personal milestone—it’s also when you become eligible for Medicare. But what exactly is Medicare, and why does it matter so much at this age?

Medicare is a federal health insurance program designed primarily for people aged 65 and older. It also covers certain younger people with disabilities or chronic illnesses. Established in 1965, the program provides access to critical medical care for those who need it most.

How does Medicare work?
Medicare has different parts, each covering specific services:

- Part A: Covers hospital stays, skilled nursing facility care, and some home health care. 
- Part B: Covers doctor visits, outpatient care, preventive services, and medical equipment. 
- Part C (Medicare Advantage): Private plans that include Parts A and B, often with extra benefits like dental and vision. 
- Part D: Covers prescription medications.

Why is it so important at 65?
You have a 7-month Initial Enrollment Period (3 months before, your birth month, and 3 months after). If you miss it:

- You may face lifetime penalties on your premiums.
- You could experience delays in coverage.
- You might lose access to specific benefits.

What if I’m still working?
If you have active employer coverage, you may delay Medicare without penalties. However, evaluating your specific situation is critical to avoid costly mistakes.

How can I avoid mistakes?
Medicare enrollment can feel overwhelming. With the right guidance, you can:

✅ Avoid penalties and unnecessary costs. 
✅ Choose the plan that best fits your health needs. 
✅ Enroll on time and with confidence.

Need help?
We’re here to support you every step of the way. Our team provides personalized consultations and handles the process for you, so you can feel confident and stress-free.

Enrolling in Medicare isn’t just a box to check—it’s a step toward securing your long-term health and peace of mind.