Turning 65

Medicare enrollment,
explained clearly.

Your first Medicare enrollment is one of the most important decisions you will make. Whether you are considering Medicare Advantage, a Supplement plan, or Part D coverage, here is what you need to know before you begin.

I have helped more than 700 Medicare beneficiaries throughout St. George, Washington, Hurricane, Ivins, Santa Clara, Cedar City, and Southern Utah understand their options and enroll with confidence.

✓No cost to you, no obligation
✓Clear explanations in plain language
✓I help you avoid late enrollment penalties

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Your Enrollment Window

You have a 7 month window to enroll.

This window is called your Initial Enrollment Period. It opens 3 months before your 65th birthday and closes 3 months after.

3 Months Before Your Birthday

Your window opens

This is often the simplest time to enroll. Coverage starts the first of the following month, giving you the earliest possible start date.

Your Birthday Month

Still on time, slight delay

If you enroll during your birthday month, coverage starts the following month rather than immediately.

3 Months After Your Birthday

Last chance, coverage delayed

Enrolling in these final months means coverage will not start for 2 to 3 months. If you are in this window, contact me right away.

Already past your window?

Certain life events qualify you for a Special Enrollment Period, including losing employer coverage, moving, or changes in income. Call me and we will figure out where you stand.

📞 Call (801) 707-0563
Understanding Your Options

Three types of coverage to know.

The right plan depends on your health, doctors, prescriptions, and budget. There is no single right answer for everyone, and I help you work through all of it.

Medicare Advantage

Part C, all in one private plan

  • low or no monthly premium plans may be available in Southern Utah
  • Includes Part D drug coverage in most plans
  • May include dental, vision, hearing, and OTC benefits
  • Uses a network of approved local providers
  • Annual out of pocket maximum for cost protection

Medicare Supplement

Medigap, works alongside Medicare

  • Helps cover Medicare deductibles, copays, and coinsurance
  • See any doctor that accepts Medicare nationwide
  • Higher monthly premium but more predictable costs
  • Does not include drug coverage, separate Part D needed
  • Strong option for frequent travelers or those with complex health needs

Hospital Indemnity

Extra coverage for hospital stays

  • Pays a cash benefit per hospital admission or day
  • Can offset copays from Medicare Advantage plans
  • No network restrictions for covered hospital events
  • Often pairs well with Medicare Advantage plans
  • Affordable monthly premium with straightforward benefits
Common Questions

Frequently Asked Questions

Questions I hear from nearly every person turning 65.

You can enroll during your Initial Enrollment Period, which begins 3 months before your 65th birthday and runs for 7 months total. Enrolling before your birthday month gets you the earliest possible coverage start date.
It depends on your doctors, prescriptions, travel habits, and budget. Medicare Advantage tends to have lower premiums and added benefits like dental and vision. Medicare Supplement gives you more flexibility to see any doctor who accepts Medicare nationwide. One conversation is usually enough to figure out which direction makes sense for you.
Many plans allow you to keep your preferred providers, but it is important to verify before enrolling. Before recommending any plan, I check that your current doctors and specialists are in network so there are no surprises after the fact.
You may be able to delay certain parts of Medicare depending on your employer coverage. If your employer has 20 or more employees, your group plan is typically primary and you may not need to enroll in Medicare Part B right away. Call me and we will look at your specific situation. Getting this wrong can have lasting consequences.
No. My services are at no cost to you. I am paid by the insurance carriers, not by you, and that does not change which plan I recommend.
Ready to talk?

Not sure which plan fits your situation?

That is exactly what I am here for. One conversation is usually all it takes to get you pointed in the right direction.

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📞 Call (801) 707-0563