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Medicare at 65
What Everyone Needs to Know — Including Veterans
Medicare is a lifeline for millions of Americans aged 65 and older, providing essential healthcare coverage that can greatly impact quality of life. If you’re approaching or already in your senior years, understanding how Medicare works is crucial for making informed decisions about your healthcare.
For Veterans and their spouses, understanding Medicare can be especially important. Having VA or other Veteran-related healthcare coverage does not necessarily mean Medicare is unnecessary. In fact, some Veteran healthcare programs require beneficiaries who are Medicare-eligible to enroll in Medicare Part A and Part B in order to maintain their coverage. Programs such as TRICARE For Life and CHAMPVA can coordinate with Medicare to help provide more comprehensive coverage and reduce out-of-pocket healthcare expenses.
Medicare continues to evolve each year, with changes to coverage, costs, benefits, and regulations that can affect your healthcare options and budget. Navigating these programs can feel overwhelming, but having the right information can make the process smoother and help Veterans, their spouses, and other Medicare beneficiaries make informed decisions about the coverage available to them.
Exploring plans and enrolling yourself is simple — and if you run into any issues, we’re just a call or message away to assist you.
Let’s schedule your appointment with an agent to assist with enrollment. Please have your Medicare ID card, a list of your prescription drugs, and your doctors ready.
The ABCD's of Medicare
Why Choose Us?
 Putting Your Health First |  Personalized Medicare Solutions |  Peace Of Mind For The Future |
|---|---|---|
 Guidance You Can Trust |  Affordable Solutions That Work |  Protecting What Matters Most |
 Maximizing Your Benefits |  Support Every Step Of The Way |  A Partner For The Long Run |
Medicare Enrollment Periods
Certain enrollment periods only come around once in a lifetime—miss them, and it could cause problems. Others occur annually, so if you're dissatisfied with your coverage, you'll have another chance to make changes soon."
ENROLLMENT
PERIOD
WHO
WHAT
WHEN
INITIAL
ENROLLMENT
PERIOD (IEP)
People Turning 65
To Enroll Part A, Part B, an Advantage Plan, or Part D Plan
3 Months Before 65th Birthday Month & 3 Months After
GENERAL
ENROLLMENT
PERIOD (GEP)
People Who Missed Their IEP & Don't Qualify For SEP
To Enroll Part A and Part B Plan
From January 1st
to
March 31st
ANNUAL
ENROLLMENT
PERIOD (AEP)
People Already Enrolled in Medicare
To Enroll, Change, or Disenroll From an Advantage or Part D Plan
From October 15th
to
December 7th
MEDICARE ADVANTAGE OPEN ENROLLMENT
PERIOD (MAOEP)
People Who Currently Have an
Advantage Plan
To Switch Advantage Plans or to Return to Original Medicare
From January 1st
to
March 31st
SPECIAL ENROLLMENT
PERIOD (SEP)
People With
Qualifying Situations
Qualifying Event to Enroll in Medicare, Medicare Advantage, or Part D Mid-year
8 Months For Part A, Part B, and 2 Months For Advantage, Part D Plans
MEDIGAP OPEN ENROLLMENT
PERIOD (MOEP)
People Who
Started Part B
To Enroll in Medigap Plan Without Underwriting
6 Months From Part B Effective Date
We also provide protection and coverage options below
Cancer
Protection
Life
Insurance
Drug
Coverage
Critical Illness
Protection
Long Term
Care
Dental
Care
Heart Attack and Stroke Insurance
Hospital
Indemnity
Vision
Care