Getting the Medicare Coverage You Need
is as Simple as 1, 2, 3…


Enroll in Medicare Parts A&B

When can I first enroll?

Medicare Advantage + Part D
  • The three months before your 65th birthday, the month of, and the three months after
  • Enrollment in Part A is automatic if you are already receiving Social Security Benefits

Medicare Supplement
  • Your state may have a six-month guaranteed window that starts when you turn 65 and enroll in Part B

What if I’m late?

Medicare Advantage + Part D
  • For Part A, usually no penalties (unless you didn’t pay enough into Social Security)
  • For Part B, premiums will be higher after the Initial Enrollment Period (unless you qualify for an exception)
  • What if I work past age 65?
Medicare Supplement
  • You can apply later but may be charged a higher premium due to existing health problems, or rejected depending on your health history
  • Wait until the Open Enrollment Period (OEP), Oct. 15 – Dec. 7
  • You may qualify for Special Election Period (SEP)


Let Milz Health Group handle the application process for you. It’s FREE!

  • Verify your Medicare enrollment period is valid
  • Choose the right supplemental option for your situation
    • Option 1 or Option 2
  • Choose the carrier and plan that fits your needs
  • Enroll
  • Yearly review with Milz Health Group