Medicare Enrollment Made Simple
Turning 65? Not Sure Where to Start With Medicare?
Clear guidance for turning 65 or changing plans. No confusion. No penalties. No pressure.
Trusted by 1,000+ Medicare Clients Nationwide
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Turning 65? Let’s Get This Right
Turning 65 should be exciting, not stressful. But Medicare brings confusion instead of clarity.
The rules aren't clear, and the deadlines are strict. Miss a deadline and you face lifetime penalties that never go away.
Friends and neighbors give conflicting advice. The terminology—Parts A, B, C, D, Medigap, Advantage, feels like a foreign language. Medicare isn't something most people deal with more than once. You shouldn't have to figure it out alone.
Medicare Guidance That Actually Makes Sense
At JSL Insurance, we break down Medicare into plain language so you can make confident decisions without the stress.
We educate you before you enroll, helping you avoid costly mistakes and lifetime penalties. We compare Medicare Supplement, Medicare Advantage, and Part D plans from multiple carriers to find what fits.
After enrollment, we review your coverage every year to make sure it still works. You get a Medicare advisor for life, not just for enrollment.
Why Choose JSL Insurance for Your Medicare Needs?
We're independent, which means we work for you, not insurance companies. We objectively compare plans and recommend what's truly best for your situation.
With over 1,000 clients helped nationwide, we've seen every Medicare scenario. We take time to educate you before you enroll, so you understand not just what you're choosing, but why.
Our services are completely free, and we speak in plain language without pressure. Medicare isn't a one-time event. We stay with you year after year, making sure your coverage evolves as you do.
Costly Medicare Mistakes We Help You Avoid
You don’t get a second chance with Medicare. The right guidance matters.
Missing Deadlines
Enroll late and you face lifetime penalties that increase your premiums forever. We make sure you know your deadlines and enroll on time.
Wrong Plan Type
Medicare Supplement and Medicare Advantage work completely differently. Choosing the wrong type can limit your doctors or cost you thousands extra.
Generic Advice
What worked for your neighbor might not work for you. We provide personalized guidance based on your specific situation, not generic advice.
Enroll With Confidence
Medicare Made Simple: 3 Easy Steps
Schedule Consultation
Schedule your free consultation or watch our Turning 65 webinar. We explain Medicare in plain language without pressure.
Compare & Decide
We review plans from multiple carriers side-by-side. You'll see what each covers, what it costs, and choose what fits.
Enroll & Stay Protected
We handle the paperwork and submit everything correctly. Then we review your coverage annually to ensure it still works.
Frequently Asked Questions
Below are answers to some of the most common life insurance questions we hear from clients.
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Medicare is health insurance provided by the federal government for people age 65 and older, and for some people under 65 with certain disabilities. It helps cover many healthcare services, including hospital care and doctor visits.
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Most people sign up for Medicare when they turn 65. You have a 7-month Initial Enrollment Period that begins three months before your birthday month, includes your birthday month, and ends three months after. Signing up late may result in penalties.
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Medicare Part A helps cover hospital stays, skilled nursing facility care, hospice care, and some home health services. Medicare Part B covers doctor visits, outpatient care, lab work, preventive services, and medical equipment. Most people pay no monthly premium for Part A, while Part B has a monthly premium.
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Original Medicare includes Part A and Part B and allows you to see any doctor that accepts Medicare nationwide. Medicare Advantage plans are offered by private insurance companies, use provider networks, and often include additional benefits like prescription drug, dental, vision, and hearing coverage.
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A Medicare Supplement plan helps pay for out-of-pocket costs that Original Medicare does not cover, such as copays, coinsurance, and deductibles. Medigap plans work only with Original Medicare and allow you to see any doctor that accepts Medicare.
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It depends on your employer coverage and the size of your employer. Some people can safely delay Medicare without penalties, while others cannot. It’s important to review your situation before making a decision to avoid costly mistakes.
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Yes. If you delay Medicare Part B without qualifying coverage, you may face a late enrollment penalty that can last for life. Prescription drug coverage penalties may also apply if you go without creditable drug coverage.
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Original Medicare generally does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans offer these benefits, which can help reduce out-of-pocket costs.
Ready to Understand Your Medicare Options?
Whether you're turning 65 or already on Medicare, the right guidance can save you money, stress, and costly mistakes.