Turning 65? Here’s Your Medicare Roadmap
Reaching Medicare eligibility can feel overwhelming—but it doesn’t have to be. At ACBS Insurance Services, we help simplify the process and guide you every step of the way, making sure your transition is smooth, informed, and penalty-free.
Know Your Medicare Enrollment Windows
There are three key periods you need to know:
- Initial Enrollment Period (IEP):
Begins 3 months before your 65th birthday and ends 3 months after. This is your golden window to enroll in Medicare without penalties. - Annual Enrollment Period (AEP):
Runs from October 1 to December 7 each year. During this time, you can review and switch plans if your needs have changed. - Open Enrollment Period (OEP):
From January 1 to March 15, you can make one change to your Medicare Advantage plan if needed—say your doctor isn’t in-network or your coverage isn’t what you expected.
Avoid These Common Pitfalls
- Missing your IEP can lead to lifetime penalties on your Medicare Part B premiums.
- Staying on an employer group plan after 65? You still need to make decisions about Medicare to avoid penalties later.
- Only exploring one insurance company may leave you with higher costs and less coverage than you deserve.
Still Working at 65? Here’s What to Know
If you’re staying on your employer’s group plan:
- You can delay Medicare in some cases—but it must be done correctly.
- Once you retire or leave the group plan, you’ll have 3 months to enroll without penalties.
That’s where ACBS steps in. We help you weigh your options and avoid expensive enrollment mistakes.
Why Work with ACBS Insurance Services?
- Over 125 years of combined experience
- Trusted by thousands of seniors across 27 states
- Access to 50+ insurance carriers
- Advanced tools to compare plans in minutes
- Compassionate, human-first support
We don’t just give you a plan—we give you peace of mind.
Let’s Make Your Medicare Journey Easy
Whether you’re months away from 65 or already in your enrollment window, we’re here to help.
Call ACBS Insurance Services today or schedule a free consultation. You deserve clarity, care, and coverage that fits.