Turning 65? Start Here.

Your Medicare enrollment timeline matters. Here's a simple overview of what to expect and when to take action.

What plans do you offer?

I offer Medicare Advantage, Medicare Supplement Plans, Part D, Dental, Hospital

When should I enroll in Medicare?

Your Initial Enrollment Period generally begins three months before the month you turn 65 and ends three months after your birthday month.

Do I have to take Medicare at 65?
Not necessarily. If you or your spouse are still working and you have qualifying employer group coverage, special enrollment rules may apply. Always check to make sure you have creditable coverage if you delay to avoid lifetime penalties!

What is the difference between Medicare Advantage and Medicare Supplement?
They are two different ways of getting your Medicare coverage. Medicare Advantage plans are private Medicare plans; Medicare Supplement policies work alongside Original Medicare.

Do I need Part D?
If you have Original Medicare and want prescription drug coverage, you generally get it through a Part D plan. Many Medicare Advantage plans include prescription coverage. If you delay, make sure you have creditable coverage, you could have lifetime penalties!

Can I change my Medicare plan every year?
There are specific enrollment periods when you can make changes. The Annual Enrollment Period is October 15–December 7.

Do you charge for your help?
No. There is no cost to you for my assistance, and there is no obligation to enroll in a plan.

Indemnity Plans, and other ancillary plans.

Not affiliated with or endorsed by the government or the federal Medicare program.

Disclaimers & Disclosures
We do not offer every plan available in your area. Currently, we represent 13 organizations which offer 76 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Southern Star Senior Insurance is a private, licensed insurance agency and a Third-Party Marketing Organization (TPMO). This website is a proprietary marketplace and is not affiliated with, endorsed by, or connected to the federal government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program.