Turning 65?
Your Medicare Checklist
5 decisions. 3 penalties that never go away. 1 window that doesn't come back. Get them right the first time.
10% per year. Permanent.
Miss your Medicare enrollment window and you'll pay a higher premium every month for the rest of your life. No exceptions. No appeals. No do-overs.
Part B penalty: 10% per year delayed. Part D: 1% per month. Both permanent.
The 5 Decisions Inside This Guide:
1
Your 7-month enrollment window
Sign up in the wrong month and your coverage start date gets pushed back...
2
Still working at 65?
Whether you MUST enroll depends on one number most people don't check...
3
Original Medicare vs. Medicare Advantage
The honest comparison — not the one insurance companies want you to see...
4
The 6-month Medigap window
Miss this window and you may never get it again. Literally...
5
Programs that save you thousands
MSP, Extra Help, IRMAA appeals — most people never apply...
3 Traps the Guide Warns You About:
The COBRA trap — it does NOT protect you from penalties (most people assume it does)
The HSA trap — one contribution at the wrong time = IRS penalty
The Medigap trap — one missed deadline = possible denial for life
Need Help Comparing Plans?
Licensed advisors compare options from multiple carriers — at no cost to you
(352) 841-0632
24Help.org does not sell Medicare plans. Licensed advisors handle all plan comparisons and enrollment.
From Dr. Ed Weir, PhD
Over 30 years of government service — including 20 years at Social Security
Check your inbox!
Your Turning 65 Medicare Checklist is on its way — all 5 decisions, the penalty math, and the 6-month countdown.
Ready to compare plans now?
Call (352) 841-0632
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