Most people can first enroll during their Initial Enrollment Period — a 7-month window around their 65th birthday. There's also the Annual Enrollment Period (October 15–December 7) each year, when anyone can switch plans for the following year.
Medicare Advantage (Part C) combines your hospital, medical, and usually drug coverage into one plan, often with extra benefits like dental and vision. Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs, with more flexibility on providers.
No. Plan reviews and enrollment assistance are always free, regardless of which plan — or whether — you choose to enroll.
No. I'm an independent agent appointed with multiple carriers, so I can compare options rather than push a single company's product.
Depending on the situation, you may face a late enrollment penalty or need to wait for the next enrollment period. It's worth a quick conversation to understand your specific timeline — there's often more flexibility than people expect.
