Free Guide for Coloradans

Your Turning 65 Medicare Checklist

A simple, step by step guide to getting onto Medicare the right way, with the timing that protects you from a permanent penalty.

100% FREE. No cost, no obligation, no sales pressure.

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What’s Inside

The whole process, one step at a time

Turning 65 is one of the few times in life when your health insurance decisions come with real deadlines. This checklist walks you through what to do and when, so nothing falls through the cracks.

3 TO 6 MONTHS OUT

Mark your enrollment window

Your Initial Enrollment Period is a 7 month window around your 65th birthday. We show you exactly when it opens and what to do first.

ABOUT 3 MONTHS OUT

Apply for Part’s A & B

Allow about 4 weeks for Social Security to process a completed application, so the checklist tells you when to apply and how.

AFTER A & B CONFIRMED

Choose your path

Medicare Supplement with a Part D drug plan, or Medicare Advantage. We help you check your doctors and medications before you commit.

First, the basics

Understand the pieces

Before the checklist, here are the basic terms in plain language so the rest makes sense. You do not have to figure out which path is right for you on your own. That is exactly what we are here to help with.

Medicare Part A — the hospital insurance. It covers inpatient hospital stays, and most people pay no premium for it.

Medicare Part B — the medical insurance. It covers doctor visits, outpatient care, and office visits.

Medicare Supplement (Medigap) — a private gap plan that covers many of the costs Original Medicare leaves to you.

Medicare Advantage — a private alternative that bundles your coverage, often including prescription drugs.

Part D — prescription drug coverage, either standalone or built into an Advantage plan.

The Part B penalty — missing your window without qualifying coverage can add a permanent penalty to your premium. We help you avoid it.

100%Free

Best Price Guarantee

As always, our services are 100% FREE and there is no extra cost or mark-up. Whether you get your health insurance through us, another agent/broker or directly from the insurance carrier, you’ll pay the exact same monthly premium for the same plan, so you can rest assured that you’re getting the best available price.

Ready to talk it through?

You do not have to memorize any of this. Our job is to guide you through it one step at a time and make sure the timing is right. Schedule a no cost Medicare planning meeting whenever you’re ready.

Book a Free Medicare Planning Meeting