Turning 65?
Let's Make Medicare Simple
Your Medicare journey starts before your 65th birthday.
Medicare has deadlines, decisions, and choices that can affect your coverage and costs for years to come. We’ll walk you through what to do, when to do it, and how to choose coverage that fits your needs.
Personalized Guidance
We help you compare your options.
Local Medicare Help
Proudly serving the Central Ohio area.
No Cost for Our Help
You do not pay for our Medicare guidance.
Local Experts. Personal Service. Central Ohio Proud.
Serving Franklin, Madison, Pickaway, Fairfield, and Ross Counties.
A COMMON QUESTION
Do I Need to Enroll in Medicare at Age 65?
It depends on your situation. Here’s a simple way to understand your options.
Retiring or No Active Employer Coverage
You will typically need to enroll in Medicare.
If you’re not working or you don’t have health coverage from a current employer or spouse’s current employer, you’ll generally want to enroll in Medicare when you turn 65 to help avoid penalties and gaps in coverage.
Enroll in Medicare Parts A & B
Consider Part D prescription drug coverage
Choose between Original Medicare with supplemental coverage or a Medicare Advantage plan
Still Working
Past 65?
You may be able to delay Part B of Medicare.
If you have health coverage through your or your spouse’s current employer, you may be able to delay Part B without a penalty. The rules depend on the type of coverage and employer size, so it’s important to review your situation before making a decision.
Learn when to enroll to help avoid penalties
Understand the 20+ employee rule
Find out how your employer coverage works with Medicare
Important: What About My HSA?
If you contribute to a Health Savings Account (HSA), Medicare requires some additional planning. Once your Medicare coverage begins, you generally can no longer contribute to an HSA. Medicare Part A can also be retroactive in certain situations, so the timing of your last HSA contribution matters.
OUR COMMITMENT
Clear Answers. No Pressure. Just Guidance.
Medicare doesn’t have to feel overwhelming. Our goal is to help you understand your options, answer your questions, and make a confident decision about your coverage.
Personalized Guidance
We take the time to understand your needs, priorities, doctors, prescriptions, and budget.
Clear, Educational Information
We explain Medicare in plain language so you understand your choices before making a decision.
Local Medicare Help
Proudly helping people throughout Central Ohio navigate Medicare with confidence.
Ongoing
Support
Our relationship doesn’t end when you enroll. We’re here when questions or coverage needs change.
READY TO GET STARTED?
Let's Build Your
Medicare Blueprint.
Turning 65 comes with a lot of decisions, but you don’t have to figure them out on your own. We’ll help you understand Medicare, review your options, and create a clear path forward based on your needs and priorities.
No cost for our help. No pressure. Just clear Medicare guidance.
Trusted Local Advisor
Personalized Recommendations
Here for You Long Term
CENTRAL OHIO MEDICARE HELP
Helping people across Central Ohio understand Medicare and make informed coverage decisions.
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We have no affiliation with and no endorsement from the United States government or the federal Medicare program. We don't sell every plan on the market in your area. What we share is limited to the plans we're appointed to offer here. Contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information about all of your options.
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