Medicare Sign Up Wizard

How It Works

A simple four-step experience designed to make Medicare enrollment easier to understand.

1

Answer a few questions

Tell us your age, work status, and whether you are already receiving Social Security benefits.

2

Review your timing

See whether you may need to enroll now or whether your situation may involve a special enrollment period.

3

Understand your options

Learn the difference between Original Medicare and Medicare Advantage in a cleaner side-by-side format.

4

Take the next step

Use the links below to begin enrollment, review drug plan options, or watch Medicare 101 videos.

Frequently Asked Questions

These are the Medicare enrollment questions people ask most often when getting started.

Most people first become eligible around age 65. In general, your first enrollment window begins 3 months before your 65th birthday month, includes your birthday month, and continues for 3 months after. If you miss that timing and do not qualify for a special enrollment period, you may face delays or penalties later.

Some people are enrolled automatically, but others must actively sign up. A common factor is whether you are already receiving Social Security benefits before turning 65. If not, it is important to review your enrollment timing instead of assuming coverage will begin automatically.

If you or your spouse still have job-based health coverage, you may be able to delay some parts of Medicare without a late enrollment penalty. Even so, the rules can depend on the type of employer coverage you have, so it is smart to confirm your timing before delaying enrollment.

Original Medicare generally refers to Part A and Part B, and many people add a separate Part D drug plan. Medicare Advantage is a private-plan alternative to Original Medicare. It typically combines Part A and Part B, and often includes prescription drug coverage as well.

It depends on how you get your Medicare coverage. If you stay with Original Medicare, many people consider adding a separate Part D drug plan. If you choose a Medicare Advantage plan, prescription drug coverage is often included, though not always.

Yes, late enrollment penalties can apply in certain situations, especially if you delay Part B or Part D without qualifying coverage. That is why enrollment timing is one of the most important parts of the Medicare planning process.

Advisor note: This section works well as an entry point for a client conversation. It addresses the questions many people have before they are ready to schedule a meeting.

Find Your Next Step

Answer a few questions to see what your enrollment timing may look like.

Full Name

Date of Birth

Are you already receiving Social Security retirement benefits?

Yes — I am already receiving Social Security retirement benefits. No — I am not receiving Social Security retirement benefits yet.

Are you still working or covered by an employer health plan?

Yes — I am still working or I have employer coverage through my spouse. No — I am not covered by active employer health insurance.

What kind of help do you need?

Understanding Part A Understanding Part B Prescription drug coverage Comparing Original Medicare and Medicare Advantage

Important Medicare Timeline

A simple overview of the key enrollment windows many people need to understand.

Initial Enrollment Period

This usually starts 3 months before the month you turn 65, includes your birthday month, and continues for 3 months after.

Special Enrollment Period

You may qualify for special timing if you delayed Medicare because you had coverage through active employment.

General Enrollment Period

If you missed your first chance to enroll and do not qualify for a special enrollment period, you may need to wait for another enrollment window and could face penalties.

Common Medicare Paths

This section clearly separates Original Medicare from Medicare Advantage so the two paths are easier to compare.

Original Medicare

The traditional Medicare path

Original Medicare is built around Medicare Part A and Medicare Part B. Many people who choose this path also review a separate Part D prescription drug plan.

Part A Hospital insurance, including inpatient hospital care, skilled nursing, hospice, and some home health care.
Part B Medical insurance, including doctor visits, outpatient care, preventive services, and certain medical supplies.
Part D Separate prescription drug coverage that people often add when staying with Original Medicare.

Medicare Advantage

An alternative to Original Medicare

Medicare Advantage is a private-plan alternative to Original Medicare. These plans generally combine Part A and Part B into one plan and often include prescription drug coverage too.

Part C / Medicare Advantage A bundled alternative to Original Medicare offered through private insurance companies approved by Medicare.
Often includes drug coverage Many Medicare Advantage plans include prescription coverage, though plan details vary.
Plan structure can differ Costs, provider networks, and extra benefits can vary from plan to plan.

Simple distinction: Original Medicare usually means Part A + Part B, with many people adding a separate Part D plan. Medicare Advantage is a different coverage path that typically packages Part A + Part B together, and often includes drug coverage too.

Document Checklist

Gather these items before starting enrollment so the process feels smoother.

Government-issued photo ID

Social Security number

Proof of age or birth certificate

Current health insurance information

Employer coverage information if still working

A short list of current prescriptions if reviewing drug plans

Next Action Links

Below are your next steps

Start Enrollment - Part A & B Go to Social Security to begin Medicare Part A and Part B enrollment.

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Start Enrollment - Prescription Drug Plan Review and join a Medicare drug plan through Medicare.

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Schedule a Medicare Consultation Connect this button to your appointment scheduler or contact page.

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Medicare 101 videos Watch an educational Medicare video resource.

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