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📅 Don't Miss Your Enrollment Window  — Late enrollment penalties last a lifetime
🎂 Turning 65 — Medicare Specialist

Turning 65 Soon?
Get Your Medicare Plan Ready

Avoid costly penalties and choose the right plan with a licensed Arizona Medicare expert — free, no obligation

Free · No obligation · Local Arizona agent

✓ Licensed Arizona Agent
✓ Independent — all major plans
✓ No-cost consultation
✓ Not a government website
⏱ Your Medicare Countdown
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Months
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Days
Enter your birthday above to see your Medicare enrollment date.
Medicare 101

Understanding Your Medicare Options

Medicare has four parts — knowing which ones you need is the first step to choosing the right plan.

A
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services.
Usually $0 premium
B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical equipment.
~$185/month in 2025
C
Medicare Advantage
Bundles Part A + B through a private insurer. Often includes dental, vision, and prescription coverage.
Often $0 premium
D
Prescription Drugs
Covers prescription medications. Required unless you have other creditable drug coverage.
Varies by plan

⚠️ Late Enrollment Penalties — Don't Get Caught

Your Enrollment Timeline

When to Take Action

Starting early gives you more time to compare plans and avoid gaps in coverage.

📋
6 Months Out
Start Planning
Review your medications, doctors, and budget. Start comparing plan types.
⭐
3 Months Before
Enrollment Opens
Your Initial Enrollment Period begins. You can enroll in Parts A, B, C, and D.
🎂
Birthday Month
Coverage Can Begin
Coverage typically starts the first of your birthday month if enrolled.
⏰
3 Months After
Final Window
Last chance to enroll without penalty. Coverage delayed if you wait until this period.
Your Local Expert

Meet Your Arizona Medicare Agent

👤
John Sheahan
Licensed Medicare Insurance Agent · Arizona

John specializes in helping Arizonans navigate Medicare with confidence. As an independent agent, he compares plans from all major carriers — not just one company — to find the best fit for your health needs, doctors, and budget. The consultation is always free.

✓ Licensed in Arizona ✓ Independent Agent ✓ All Major Carriers ✓ No-Cost Consultation

Get Your Free Medicare Review

A licensed Arizona agent will contact you to walk through your options — no pressure, no obligation

📞Phone Call
💬Text Message
📧Email
By submitting this form, you agree to be contacted by a licensed insurance agent by phone, text, or email regarding Medicare plan options. This consent is not required to receive services. We are not affiliated with or endorsed by Medicare or any government agency. View our Privacy Policy.
✅
Request Received!

Thank you! A licensed Arizona Medicare agent will be in touch shortly to review your options and answer any questions — completely free.

📞  Call Now to Talk Right Away
or call us directly
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Real Arizonans, Real Stories

What Our Clients Say

Turning 65 is less stressful with the right guidance.

★★★★★

"I had no idea where to start with Medicare. John walked me through everything in one call and found me a plan with dental and vision at $0 premium. Couldn't be happier."

Carol S.
Scottsdale, AZ — Turned 65 in 2024
★★★★★

"I waited too long with my previous coverage and got hit with a Part B penalty. John helped me sort it out and make sure it won't happen again. Incredibly patient and knowledgeable."

Frank D.
Gilbert, AZ — Turned 65 in 2024
★★★★★

"My employer insurance was ending right when I turned 65. John made the transition completely seamless — no gaps, no stress. He explained every option clearly."

Linda R.
Chandler, AZ — Turned 65 in 2025
Common Questions

Turning 65 FAQ

When exactly should I sign up for Medicare?
Your Initial Enrollment Period (IEP) is 7 months long — starting 3 months before the month you turn 65, including your birthday month, and ending 3 months after. Enrolling in the 3 months before your birthday month means your coverage starts on the first of your birthday month.
What if I'm still working and have employer health insurance?
If you or your spouse has employer coverage from a company with 20 or more employees, you may be able to delay Medicare enrollment without penalty. However, once that coverage ends, you have an 8-month Special Enrollment Period to sign up. Every situation is different — this is exactly where speaking with a licensed agent is essential.
What is the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A & B) is the federal program. Medicare Advantage (Part C) is an alternative offered by private insurers that bundles A & B — and often adds dental, vision, hearing, and prescription coverage — usually at a $0 or very low premium. Many Arizonans find Medicare Advantage plans offer better value, but the right choice depends on your doctors, medications, and health needs.
Do I need Part D if I don't take any prescriptions?
It's strongly recommended to enroll in a Part D plan even if you don't currently take medications. If you go without creditable drug coverage and later need prescriptions, you could face a permanent late enrollment penalty — 1% of the national base premium for every month without coverage.
How much does a Medicare consultation cost?
Nothing. Our licensed agents are compensated by the insurance companies, not by you. There is never a fee to compare plans, ask questions, or enroll.
Can I change my Medicare plan after I enroll?
Yes. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, during which you can change your plan. There are also Special Enrollment Periods for qualifying life events. Your agent can help you review your options every year.

Don't Wait — Start Planning Now

The earlier you plan, the more options you have. A free Medicare review takes 20 minutes and could save you thousands.

📞 (602) 767-1816