Spring Hill Medicare help: turning 65, or reviewing your Advantage plan

Turning 65 in Hernando County? Know your window

Your Initial Enrollment Period is 7 months long: the 3 months before your 65th birthday month, your birthday month, and the 3 months after. Enrolling inside that window keeps your coverage — and your doctors — uninterrupted.

• Already on Social Security? You may be enrolled in Part A and Part B automatically.
• Still working, or covered by a spouse's employer plan? You may be able to delay Part B — check the rules for that employer first.
• Waiting too long can mean a gap in coverage and a lifelong late-enrollment penalty on Part B and Part D.

Once you have Parts A and B, you choose between Original Medicare (often with a supplement and a drug plan) or a Medicare Advantage plan that bundles them together. We'll explain the difference simply.

Already on a Medicare Advantage plan in Spring Hill?

Plans change every year — premiums, doctor networks, drug lists, and extra benefits can all shift. We'll look over your current Advantage plan at no cost and no obligation, checking whether your doctors and prescriptions in the Spring Hill area are still covered and whether another plan fits you better.

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.

Local help, no pressure

Send the short form below and we'll reach out to talk through your options. No cost, no obligation — just clear answers for Spring Hill and Hernando County seniors.