🌵 Serving Arizona Seniors Since 2016 · Licensed in All 50 States
(520) 788-5265Understanding Medicare doesn't have to be complicated. Here are the key facts, timelines, and answers to the questions Mike hears most often.
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay $0 premium.
Covers doctor visits, outpatient care, preventive services, and medical equipment. Standard premium ~$174.70/month in 2024.
Private plans that bundle Parts A, B, and usually D. Often include dental, vision, hearing, and fitness benefits.
Prescription drug coverage offered by private insurers. Can be added to Original Medicare or included in a Medicare Advantage plan.
Missing your enrollment window can mean permanent penalties and gaps in coverage. Here's what you need to know.
Your Initial Enrollment Period begins 3 months before your 65th birthday. This is the ideal time to call Mike and start reviewing your options.
You are now eligible for Medicare. If you haven't enrolled yet, you still have 3 months after your birthday month to enroll without penalty.
Your Initial Enrollment Period ends. Enrolling after this date (without a Special Enrollment Period) may result in permanent late enrollment penalties.
Every year, you can review and change your Medicare Advantage or Part D plan. Mike can review your coverage annually to ensure you still have the best plan.
Important: Late enrollment penalties for Part B (10% per year missed) and Part D are permanent — they stay with you for life. Don't wait. Call Mike before your window closes.
Can't find your answer here? Call Mike directly — he's happy to answer any Medicare question, no matter how simple or complex.
Call MikeMike is happy to answer any Medicare question — free, with no obligation.