Approaching Medicare eligibility? The process can feel confusing — but it doesn't have to be. We walk every client through the enrollment process from start to finish, at no cost to you.
Your Initial Enrollment Period starts 3 months before the month you turn 65. This is the ideal time to research your options and talk to us — before any deadlines apply.
The month you turn 65 is right in the middle of your 7-month Initial Enrollment Period. Medicare Parts A and B should already be in place or being processed.
Your enrollment window closes 3 months after your birthday month. Miss it and you may wait until the next General Enrollment Period (Jan 1–Mar 31) with a possible penalty.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people don't pay a premium for Part A if they've worked 40+ quarters.
Covers doctor visits, outpatient care, preventive services, and medical equipment. There is a monthly premium — in 2025 the standard rate is $185/month.
An alternative to Original Medicare offered by private insurers. Bundles Parts A, B, and usually D with extra benefits like dental and vision. Often $0 premium.
Standalone prescription drug coverage. Required if you choose Original Medicare with a Supplement. Most Advantage plans include Part D built in.
If you're still working at 65 and have employer health insurance through a company with 20 or more employees, you may be able to delay Medicare without a penalty — as long as your employer coverage is considered "creditable."
However, you should still sign up for Part A if you can get it premium-free. The rules around delaying Part B are different depending on your employer's size and your coverage type.
This is one of the most common areas of confusion — and one of the most costly to get wrong. Call us before you make any decisions about delaying enrollment.
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Founder of Mauldin Insurance Group. 20+ years in banking & finance. Medicare specialist, Maxwell Leadership certified, Senior Advocate.
Independent, honest, and always in your corner. Dedicated to helping South Carolina families find the right coverage — never in a hurry to push a sale.
Call us or request a free consultation — no obligation, no pressure, just honest help.