Is it that time or almost that time? Whether you are already retired or eventually retiring, after the age of 65, everyone becomes part of the environment of multiple decisions and confusion, thanks to Medicare.

You will be bombarded with advertising and information, including what plan your neighbor, family, or friend has. We are here to help take the confusion out of Medicare for you. Starting with, “When can or should I enroll in Medicare?” We will work with you individually to help make sure you understand Medicare-Parts A, B, C, D, and Medicare coverage options. We will work through a complete requirement analysis to help determine the best fit for your healthcare needs and budget.

We are happy to help current Medicare beneficiaries in the event they need to make a change in coverage due to plans adjusting, moving out of a service area, or new healthcare developments arising. There are different enrollment periods during which a person is eligible to enroll in Medicare or into a new Medicare plan. The three main Medicare enrollment periods are the Initial Enrollment Period (IEP), the General Enrollment Period (GEP), and the Special Enrollment Period (SEP). These periods dictate when you can first enroll in Medicare and when you can make changes to your existing coverage. Also, AEP is for anyone with Medicare to make changes to their coverage, including switching between Original Medicare, Medicare Advantage, and Part D plans. The OEP, specifically Medicare Advantage Open Enrollment (MA OEP), is only for those already enrolled in a Medicare Advantage plan to switch to another or return to Original Medicare.