Turning 65 Support

Turning 65 is a major milestone—and it’s also the time when most people become eligible for Medicare. We help you understand what to do, when to do it, and how to avoid penalties or gaps in coverage.

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Step-by-Step Medicare Help When You Turn 65

If you're approaching your 65th birthday, now is the time to learn about your Medicare options. From enrollment windows and plan types to penalties and timing, there’s a lot to consider—and missing a step could cost you.


We provide clear, personal guidance to help you transition smoothly into Medicare. Whether you're still working, retiring soon, or already receiving Social Security, we’ll make sure you know what actions to take and when.

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Why Get Help When You Turn 65?

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Avoid Mistakes

We help you understand enrollment deadlines and avoid common pitfalls that could lead to higher costs or coverage gaps.

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Coverage That Fits

We’ll help you choose between Medicare Advantage, Supplement plans, and drug coverage based on your health needs and budget.

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Local Guidance

We’re based in Richmond and serve nearby communities, so we know which local plans are available and how to find the best fit for you.

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Frequently Asked Questions

  • When should I start the Medicare process?

    Your Initial Enrollment Period starts 3 months before the month you turn 65 and lasts for 7 months total. Starting early ensures you don’t miss anything.

  • What if I’m still working at 65?

    You may be able to delay Part B and Part D without penalty depending on your employer coverage. We’ll help you review your options.

  • Do I need all parts of Medicare right away?

    Not always. We’ll explain what you need based on your current coverage and health situation.

  • Can I change my plan later?

    Yes. You can make changes each year during the Annual Enrollment Period, and in some cases during a Special Enrollment Period.

  • What if I signed up for Medicare automatically?

    Even if you’re enrolled automatically, you’ll still need to review your options for Part D, Advantage, or Supplement coverage. We’ll help you understand your next steps.

Medicare Help

Just Turning 65? We Make It Simple

We help people in Richmond, Centerville, Cambridge City, and Connersville understand and enroll in Medicare as they approach age 65. Whether you're planning ahead or already eligible, we'll help you make confident, informed decisions.