Lakeland Medicare help: turning 65, or reviewing your Advantage plan

Turning 65 in Polk County? Start with your window

Your Initial Enrollment Period lasts 7 months: the 3 months before your 65th birthday month, your birthday month, and the 3 months after. Signing up inside that window avoids gaps in coverage.

• On Social Security? You may be enrolled in Part A and Part B automatically — watch for your card.
• Still working, or on a spouse's employer plan? You may be able to delay Part B; check the rules for that employer first.
• Signing up late can bring a gap in coverage and a lifelong late-enrollment penalty.

Once you have Parts A and B, you pick between Original Medicare (often paired with a supplement and a drug plan) or a Medicare Advantage plan that combines them. We'll make the choice clear.

Already on a Medicare Advantage plan in Lakeland?

Plans adjust premiums, networks, drug lists, and extras year to year, so last year's good fit may not be this year's. We'll look over your current Advantage plan at no cost and no obligation — checking your Lakeland doctors and your prescriptions, and comparing plans available in Polk County.

You can switch during Medicare Open Enrollment (Oct 15 – Dec 7), or, if you're already in an Advantage plan, during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31).

Remember: we do not offer every plan available in your area. Any information we provide is limited to the plans we do offer there.

No cost, no obligation

Send the short form below and we'll reach out to talk through your options — no pressure, and no fine print. Clear answers for Lakeland and Polk County seniors.