Most people can enroll during their Initial Enrollment Period (IEP).

Your IEP (Initial Enrollment Periord)

• Starts 3 months before your 65th birthday month

• Includes your birthday month

• Ends 3 months after

Example: If you turn 65 in June, your enrollment window runs March–September.

You are automatically enrolled in Medicare Part A and Medicare Part B IF:

• You are already receiving Social Security benefits before 65

• You are receiving Railroad Retirement benefits

If not, you must actively enroll.

You can enroll through:

 Online

Through the Social Security Administration website.

By Phone

Call Social Security at 1-800-772-1213.

You will call the number above to make an appointment for a later date.  Runs usually about 4 weeks out. 

In Person

At your local Social Security office (appointments needed). You first call the number above to make an in person appointment. 

You do NOT enroll through Medicare directly — enrollment is handled by Social Security.

If you have employer coverage:

• If the company has 20 or more employees, you may be able to delay Part B without penalty.
  
  

• If the company has fewer than 20 employees, Medicare may become your primary insurance.
  
  

It’s important to confirm whether your coverage is considered “creditable” before delaying enrollment.

You may face:

• A lifetime Part B late enrollment penalty
  
  

• Delays in coverage
  
  

• Gaps in insurance
  
  

Penalties increase the longer you wait.

• Medicare Part A – Hospital coverage
  
  

• Medicare Part B – Doctor visits & outpatient care
  
  

• Medicare Part D – Prescription drug coverage
  
  

• Medicare Advantage – Private alternative to Original Medicare
  
  

Each option works differently, so understanding your situation is important before making decisions.

Costs vary based on:

• Income
  
  

• Work history
  
  

• Coverage choices
  
  

• Whether you add supplemental or prescription coverage
  
  

Part A is often premium-free if you worked 40 quarters (10 years).

Part B has a monthly premium that may vary based on income.

Medicare decisions can affect:

• Your healthcare access
  
  

• Your prescription costs
  
  

• Your long-term retirement planning
  
  

Educational guidance can help you understand:

• Your enrollment timeline
  
  

• Whether you need to enroll now
  
  

• How employer coverage coordinates with Medicare

If you delayed Medicare because you had employer coverage, you qualify for a Special Enrollment Period (SEP) when employment ends.

You typically have:

• 8 months to enroll in Part B
  
  

• 63 days to enroll in Part D without penalty
  
  

Proper timing is critical to avoid penalties.

Medicare decisions can impact your healthcare, finances, and retirement for the rest of your life. Getting clear, accurate information before you enroll helps you avoid costly mistakes.

Here’s why attending our workshop — in person or by video — matters:

Avoid Costly Penalties

Many people don’t realize that missing your enrollment window can result in lifetime penalties under Medicare Part B and Medicare Part D.

Our workshop explains:

• When you must enroll
  
  

• When you can delay
  
  

• How to avoid permanent premium increases
  
  

Understand How Medicare Works With Employer Coverage

If you’re still working at 65, the rules can be confusing.

We explain:

• When Medicare becomes primary
  
  

• What “creditable coverage” really means
  
  

• When you can safely delay enrollment
  
  

This is one of the most misunderstood areas of Medicare planning.

 Learn the Difference Between Your Coverage Options

We provide an educational overview of:

• Original Medicare
  
  

• Medicare Advantage
  
  

• Medicare Supplement Insurance
  
  

• Prescription drug coverage options
  
  

Understanding how these options work before making a decision can prevent coverage gaps and unexpected costs later.

Reduce Stress and Confusion

Medicare mail, phone calls, and advertisements can feel overwhelming.

Our workshop:

• Breaks down the process step-by-step
  
  

• Separates facts from marketing
  
  

• Helps you understand your timeline
  
  

Education creates confidence.

Get Answers Specific to Your Situation

Whether you attend in person or watch the video, you’ll gain clarity on:

• When you personally need to act
  
  

• What applies to your employment status
  
  

• What deadlines matter for you
  
  

Every situation is different — and timing matters.

In Person or Video — What’s the Difference?

Attending In Person

• Ask questions live
  
  

• Engage in discussion
  
  

• Walk away with printed materials
  
  

Watching the Video

• Learn at your own pace
  
  

• Pause and rewind
  
  

• Review information as needed
  
  

Both options provide the same educational foundation so you can make informed decisions.

We guide you through every step of the Medicare process. 

At no charge to you, ever! 

That's Simple!  Just follow this link and you will see our upcoming workshops!