Medicare is more than just a milestone—it’s a major decision. Whether you’re turning 65, still working past retirement, or helping a loved one, knowing what Medicare covers and when you need to sign up can save you stress, penalties, and uncovered costs. This guide breaks it down in plain English so you can move forward with confidence.

Still working at 65? Learn how your employer size and coverage affect Medicare enrollment, penalties, and your decision to delay or enroll in Parts A, B, and D.

Compare Medicare Advantage and Medicare Supplement (Medigap) plans. Understand costs, networks, coverage, and which path may be right for your healthcare needs.

Your First Medicare Appointment and What to Expect at a Free Brickhouse Agency Consultation.

Learn what Medicare Parts A, B, C, and D actually cover—and where gaps exist. Understand common coverage myths so you can avoid unexpected out-of-pocket costs.

Delaying Medicare can lead to costly lifelong penalties if you don’t have the right coverage in place. Learn how Medicare late payment penalties work, what counts as creditable coverage, and the steps to protect yourself from fees that never go away.