When you turn 65, you become eligible for Medicare—and with that comes important decisions about your health coverage.
At American Insurance Counselors, we specialize in helping individuals like you compare and enroll in the right Medicare Supplement or Medicare Advantage plan. With decades of experience, we’ll guide you through your options and make the process simple and stress-free.
When to Enroll in Medicare
Most people turning 65 should enroll during their Medicare Initial Enrollment Period (IEP)—a 7-month window around your 65th birthday:
- 3 months before your birth month
- Your birth month
- 3 months after your birth month
Timing matters:
- Enroll before your birthday month → Coverage starts the first day of your birth month
- Enroll during or after → Coverage starts the first day of the following month
Still Working? You May Be Able to Delay Enrollment
If you have employer coverage through active employment (yours or your spouse’s) and the employer has 20+ employees, you may delay enrolling in Medicare without penalty. When that coverage ends, you’ll qualify for an 8-month Special Enrollment Period.
Tip: Many people enroll in a Medicare plan before their employer coverage ends to avoid gaps—and we can help you time this transition smoothly.
We’ll Help You Compare Your Two Main Medicare Options
Once you’re enrolled in Medicare Parts A and B, you have two main paths for additional coverage. We’ll help you compare them and find the one that fits your needs and budget:
Medicare Advantage Plans (Part C)
- All-in-one plans that include Part A, Part B, and usually Part D (prescriptions)
- Often include dental, vision, hearing, and wellness benefits
- Lower monthly premiums, but may include copays or network restrictions
Medicare Supplement Plans (Medigap) + Part D
- Helps cover deductibles, copays, and coinsurance Medicare doesn’t pay
- No networks—see any doctor who accepts Medicare
- Add a standalone Part D plan for prescription coverage
Not sure which is right for you?
That’s where we come in. We’ll walk you through the differences, ask the right questions, and help you make a confident, informed decision.
Avoid Penalties and Get the Best Value
Missing your enrollment window or choosing the wrong plan can lead to costly penalties and coverage gaps. Let us help you avoid those pitfalls—and find a plan that gives you the coverage and peace of mind you deserve.
We Make It Easy to Get Started
- Independent advice (we represent multiple top-rated carriers)
- No cost for our help—your premium is the same either way
- Personalized plan comparisons
- Support before, during, and after enrollment
Ready to Explore Your Medicare Options?
Contact us today for a free consultation. We’ll help you find the right Medicare Supplement or Medicare Advantage plan—so you can enjoy this next chapter with confidence.
(314) 890-9200