Medicare Help for Those Turning 65
Turning 65 should be a milestone, not a headache. If you’re approaching Medicare age, you’ve probably seen the flood of mailers and heard stories about enrollment penalties or confusing choices. True North Associates makes Medicare easy to understand, with plain-language answers, step-by-step enrollment support, and side-by-side plan comparisons—so you can feel confident in your choices and start this new chapter with clarity.
Start Here: Your Medicare Pathway at 65
The transition to Medicare starts with knowing when (and if) to enroll, based on your work status and current coverage. We guide you through deadlines, whether you’re still working, planning to retire, or need to coordinate with a spouse’s insurance. Our process highlights what decisions must happen now versus what can wait, helping you avoid penalties and coverage gaps.
Your Medicare Choices: Advantage vs. Supplement
Choosing between Medicare Advantage and Medigap (Supplement) plans is about more than just cost. We walk you through the key differences—provider networks, prescription coverage, out-of-pocket expenses, and annual changes. You’ll see a side-by-side comparison based on your doctors, medications, and budget, so you can pick the plan that truly fits your life.
What If You Miss a Window?
Deadlines matter with Medicare. We clarify your initial enrollment period, special enrollment windows, and what happens if you miss a step. If you’re worried about penalties or retroactive coverage, we help you understand your options and get back on track quickly.
Annual Reviews: Keep Your Plan Working for You
Medicare isn’t a “set it and forget it” decision. Formularies, costs, and networks change each year, which can affect your plan’s fit. We provide annual reviews to make sure you stay aligned with your needs, budget, and any new medical developments—so your coverage keeps up with your life.
Your Questions, Answered
When should I apply for Medicare if I’m turning 65?
Most people should enroll during their initial enrollment period, which begins three months before the month you turn 65 and ends three months after. We’ll help you track your exact dates and avoid late penalties.
Do I need Medicare if I’m still working at 65?
It depends on your employer size and current coverage. We explain when to enroll, when to delay, and how to avoid common mistakes that could affect your future options.
Medicare Advantage vs Medigap—how do I choose?
We provide a side-by-side breakdown of both, factoring in your doctors, medications, travel needs, and budget. The goal is to give you a clear, confident choice based on your unique situation.
What happens if I miss my Medicare enrollment window?
Missing an enrollment window can lead to penalties or coverage gaps, but there are often ways to recover. We explain your options and help you take the right steps as quickly as possible.
Make Medicare Simple—Start With Confidence
Don’t let Medicare overwhelm you. Book your personalized review and get clear, independent answers—so you can enroll on time, avoid mistakes, and make the most of your benefits.
