Turning 65, or already on a Medicare Advantage plan? We'll help — at no cost.

Turning 65 in Florida: your 7-month enrollment window

Most people first become eligible for Medicare in the month they turn 65. Your Initial Enrollment Period is 7 months long: the 3 months before your 65th birthday month, your birthday month itself, and the 3 months after. Signing up during this window keeps your coverage smooth.

What to know before you decide:

• If you already receive Social Security, you may be enrolled in Part A and Part B automatically — watch the mail for your card.
• If you're still working (or covered by a spouse's employer plan), you may be able to delay Part B. It's worth checking first: the rules depend on the size of the employer.
• Waiting too long can mean a gap in coverage and a lifelong late-enrollment penalty on Part B and Part D premiums.
• Once you have Part A and Part B, you choose how to get your coverage: Original Medicare (often with a Medigap supplement and a drug plan) or a Medicare Advantage plan that bundles it together.

What helps us help you

Have a rough list of your doctors and your current prescriptions handy. That's usually all we need to point you to the plan that actually fits — not just the one with the loudest ad.

Already on Medicare because of a disability, or helping a parent? We're glad to help you too.

Already on a Medicare Advantage plan? Get a free plan review

Plans change every year — premiums, doctor networks, drug lists, and extra benefits can all shift. A plan that was a great fit three years ago may not be the best fit now.

We'll look over your current Advantage plan at no cost and no obligation and tell you, in plain English, whether your doctors and prescriptions are still covered and whether another plan fits you better.

Your two chances to switch:

• Medicare Open Enrollment (Oct 15 – Dec 7): change plans for the coming calendar year.
• Medicare Advantage Open Enrollment (Jan 1 – Mar 31): if you're already in an Advantage plan, switch to another Advantage plan or move back to Original Medicare.

Remember: we do not offer every plan available in your area. Any information we provide is limited to the plans we do offer — and you can always check all of your options with Medicare.gov or your local SHIP office.

How it works

Areas we help

Medicare help across Central and West Florida. If you're not sure whether we cover your area, send the form anyway — we'll tell you.