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Not sure what plan is right for you? Take Our Medicare Quiz

I am turning 65 and I will no longer be working, what do I need to know about Medicare?


Three months PRIOR to your 65th birthday, call to ensure your enrollment into Medicare Parts A & B.  

To cover the “gaps” that Medicare does not cover, you will have the option to do one of three things:

  • Enroll into a Medicare Supplement (Medigap) Plan to help cover the gaps in Original Medicare (add on a Part D)
  • Enroll into a Medicare Advantage Plan (can include RX coverage)
  • Only use Original Medicare (not recommended)

If you choose a Medicare Supplement Plan you will also want to include a Part D Prescription Drug plan. If you choose NOT to enroll in a Part D drug plan and do NOT have creditable drug coverage, you will be subject to a 1% per month penalty when you do enroll in one. This is going to drive the cost up dramatically so it is always best to enroll and have creditable coverage even if you do not currently take medications.

Learn More: How Much Does Medicare cost?

People Also Read: Important dates to remember for Medicare Enrollment Periods

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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