the Midwest
Turning 65 in the Midwest: Your Medicare Checklist
Medicare is confusing on purpose. This is what to do, in what order, so you don't overpay or miss a deadline. Free walk-through from a licensed the Midwest broker - no cost to you.
Who this is for
- Turning 65 in the next 3-6 months
- Still working past 65 and unsure about Part B timing
- Retiring soon and losing employer coverage
- Helping a parent or spouse enroll in Medicare
What's covered
Part A + Part B basics
What's automatic, what you sign up for, and when.
Medigap vs Medicare Advantage
The two big paths and how to pick.
Part D drug coverage
How to check your medications and avoid the late-enrollment penalty.
Delaying Part B safely
How employer coverage affects your enrollment timing.
How I help
- 1Confirm your Initial Enrollment Period dates and any working-past-65 exceptions.
- 2Compare Medigap and Medicare Advantage plans against your actual doctors and prescriptions.
- 3Pair the right Part D drug plan so you're not overpaying for medications.
- 4Handle the paperwork and stay your agent for every future renewal.
Frequently asked questions
When should I start looking at Medicare before I turn 65?
About 3-4 months before your 65th birthday. Your Initial Enrollment Period is the 7-month window starting 3 months before your birthday month. Starting early gives you time to compare without pressure.
Do I have to sign up for Medicare at 65 if I have employer coverage?
Not always. If you have creditable coverage through a large employer (yours or a spouse's), you can often delay Part B without penalty. Delay it incorrectly and you'll pay a lifetime late-enrollment penalty. I'll help you check your specific situation.
Medigap or Medicare Advantage - which is better?
Neither is universally better. Medigap has more flexibility and no networks; Advantage typically has lower monthly cost and extras. It depends on your health, budget, doctors, and travel. I walk you through both so you pick with your eyes open.
What's the penalty for enrolling in Part B late?
10% added to your Part B premium for every 12 months you were eligible and didn't enroll - for life. It's expensive to get this wrong, which is why I recommend a quick consultation before you decide to delay.