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Turning 65 & Medicare

Whether you plan to retire or continue working, you have some important decisions to make regarding Medicare when you turn 65.


Ready to sign up?

If you find yourself in this window of time, you are officially eligible.

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Initial enrollment period
begins three months before
the month you turn 65

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Your 65th Birthday

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Initial enrollment period
ends three months after
the month you turn 65

Expert Tip* Enrollment requirements and deadlines can get tricky, so even if you’re unsure about starting Medicare during this timeframe, contact our team now to make sure you’re meeting deadlines and avoiding coverage gaps or potential penalties and fees.


Speak with a local advisor.

Our team supports you through every step in the Medicare process—from finding the right plan to enrollment and beyond. We'll handle all the paperwork and make sure you’re on track for a smooth transition to Medicare. Plus, our services are provided at no cost or obligation.

Our experts in Medicare will:

  • Get to know your individual needs
  • Research custom coverage options
  • Help you compare plans
  • Help you enroll in the right plan
  • Provide lifelong support

Meeting with us is easy:

  • In-person at our Miamisburg or Blue Ash office
  • Phone appointment
  • Zoom video appointment


Working Past Age 65

Now more than ever, individuals are working past 65 and delaying retirement. The good news: Retirement is NOT a requirement for Medicare. That’s right. You can take advantage of your Medicare benefits without retiring.

Our local advisors can:

  • Compare your employer coverage to Medicare to see which makes the most sense
  • Show you why Medicare may save you hundreds of dollars annually
  • Help you access Medicare benefits (such as gym memberships and over-the-counter allowances) while continuing to work
  • Explain how a health savings account (HSA) works with Medicare
  • Enroll you in the plan of your choice
  • Provide lifelong support


Not sure what to do?

You’re not alone. Medicare can seem overwhelming. You’re likely being bombarded with mail and commercials about Medicare that are confusing. Don’t worry; help is here!

We recommend you start with a conversation with one of our local advisors. Our team will take the time to get to know you one-on-one and hear what matters most to you. We’ll discuss your unique needs, plans for retirement or for working past 65, and other factors that will determine your specific next steps as they relate to Medicare and the enrollment process.

Gain the clarity you need.

We’ll answer any questions you may have about penalties, HSAs, spousal coverage, employer coverage compared to Medicare, costs, and more. We view our clients as our partners, and we will give you the tools and resources you need to make a confident decision for your health care plan―all at no cost or obligation to enroll.

We’ve helped more than 50,000 people just like you in Ohio, Kentucky, Indiana, and Florida.