I’M TURNING 65

Your Medicare Guide - Turning 65

Congratulations on Turning 65!

Your Complete Guide to Understanding Medicare Options

📋 Simple. Clear. Personalized.

Your Medicare Enrollment Timeline

Understanding Your 7-Month Initial Enrollment Period

3

Months Before

Your enrollment period begins 3 months before your 65th birthday month. This is the perfect time to start researching your options.

1

Your Birthday Month

The month you turn 65. You can enroll during this month to ensure seamless coverage.

3

Months After

You have 3 months after your birthday month to enroll. However, late enrollment may result in coverage gaps.

Understanding Medicare Parts

Part A

Hospital Insurance

  • Inpatient hospital stays
  • Skilled nursing facility care
  • Hospice care
  • Some home health care
  • Usually premium-free
Part B

Medical Insurance

  • Doctor visits
  • Outpatient care
  • Preventive services
  • Medical equipment
  • Monthly premium required
Part C

Medicare Advantage

  • Includes Part A & B benefits
  • Often includes drug coverage
  • May include extra benefits
  • Network restrictions apply
  • Alternative to Original Medicare
Part D

Prescription Drug Coverage

  • Covers prescription medications
  • Various plan options
  • Different formularies
  • Monthly premium varies
  • Added to Original Medicare

Your Two Main Paths

Choose the coverage approach that best fits your healthcare needs, budget, and lifestyle

Original Medicare + Supplement

Traditional Coverage with Freedom

What You Get:

  • Medicare Part A (Hospital) + Part B (Medical)
  • Medigap Supplement to cover gaps
  • Separate Part D (Drug Coverage)
  • See any doctor who accepts Medicare
  • No network restrictions
  • No referrals needed for specialists

Costs:

  • Part B premium (standard: $185/month)
  • Medigap premium (varies by plan)
  • Part D premium (varies by plan)
  • Predictable monthly costs

Best For:

Those who want doctor choice freedom, travel frequently, see specialists regularly, or prefer predictable costs with comprehensive coverage.

Medicare Advantage (Part C)

All-in-One Plan

What You Get:

  • Replaces Original Medicare
  • Includes Part A, B, and usually Part D
  • Often includes extra benefits (dental, vision, hearing)
  • One plan, one card
  • May include gym memberships or OTC allowances

Costs:

  • Low or $0 monthly premium (plus Part B)
  • Copays for services
  • Annual out-of-pocket maximum
  • Network restrictions may apply

Best For:

Those who want lower monthly premiums, extra benefits like dental and vision, don't mind using network providers, or prefer all-in-one convenience.

Ready to Choose Your Path?

Let's discuss your specific situation and find the Medicare solution that's right for you. No pressure, just expert guidance.

Schedule Your Free Consultation
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No-Cost Consultation

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Personalized Recommendations

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Enrollment Assistance

By Published On: October 9th, 2025Categories: Uncategorized0 Comments on I’M TURNING 65

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