What to Know Before You Enroll in Medicare
Enrolling in Medicare for the first time can feel overwhelming. Between Part A, Part B, Part D, and Medicare Advantage or Supplement options, there are dozens of moving parts—and missing a detail can lead to coverage gaps, late enrollment penalties, or unexpected out-of-pocket costs. That’s why it’s critical to understand your options before you sign up, not after.
Most people become eligible for Medicare at age 65, and your initial enrollment period begins three months before your 65th birthday. But the right strategy depends on more than just age—it depends on whether you’re still working, what type of insurance you have now, and how your prescriptions and healthcare needs may change over time.
For example, enrolling in Part B too early could lead to unnecessary premiums if you’re still covered by an employer plan. On the flip side, missing your enrollment window can trigger lifetime penalties and delays in coverage. That’s why personalized guidance is so important—Medicare is not one-size-fits-all.
You also need to understand how to compare Medicare Advantage vs. Medigap (Supplement) plans, and whether to add standalone prescription drug coverage (Part D). Each choice affects your future costs, provider access, and flexibility. The good news? You don’t have to figure it out alone.
At Diversified Insurance Brokers, we take the time to walk you through your Medicare options—so you can avoid missteps and feel confident about your decision. We help you choose a plan based on your health, prescriptions, and retirement budget—not just what’s advertised on TV.
👉 Visit our Medicare page here
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