Your Initial Enrollment Period (IEP) is a 7-month window. It includes the 3 months before you turn 65, the month you turn 65, and the 3 months after. Signing up during the first 3 months ensures your coverage starts exactly on the first day of your birth month.

It depends on the size of your employer. If your company has 20 or more employees, your group coverage might be primary, and you may be able to delay Part B without penalty. If it has fewer than 20 employees, you generally must sign up for Medicare at 65 to avoid permanent gaps and penalties. We can look at your specific employer benefits to tell you exactly what to do.

Medicare Advantage (Part C) acts as an all-in-one alternative to Original Medicare, often including drug coverage and extra perks like dental or vision through private networks. Medigap (Supplements) works alongside Original Medicare to pay for your out-of-pocket costs, deductibles, and co-insurances, giving you the freedom to see any doctor nationwide that accepts Medicare.

Not necessarily! During our 15-minute review, we use our specialized provider tools to check your exact doctors, specialists, and hospitals against every plan network in your area to ensure you can keep the care team you love.

For most people, Medicare Part A is premium-free if you or your spouse worked and paid taxes for at least 10 years. Medicare Part B has a standard monthly premium set by the government each year. The cost of Advantage, Medigap, or Part D drug plans varies based on the specific coverage you select.

Yes, 100% free. As independent licensed brokers, we are compensated directly by the insurance providers if you choose to enroll through us. You will never receive a bill, an invoice, or any hidden fees from NaviLexis Solutions for our guidance, setup, or support.