Retired Before Age 65

Bridging the Gap to Medicare

Those who retire before 65 must find health coverage until they become eligible for Medicare.

We help them explore affordable insurance options and prepare for a seamless Medicare transition.

Problems People Experience:

• No Access to Medicare benefits before age 65
• High Costs for private health insurance or COBRA coverage
• Uncertainty about when and how to transition to Medicare at age 65
• Risk of missing Medicare enrollment deadlines and facing penalties

Solutions We Provide:

• Identify affordable health insurance options until Medicare eligibility
• Explain COBRA vs. ACA Marketplace plans vs. retiree health benefits
• Provide guidance on transitioning smoothly to Medicare at 65
• Ensure timely enrollment to avoid coverage gaps and penalties

Medicare Enrollment Preparation

Many early retiree's don't realize they need to prepare for Medicare enrollment before turning 65.

We help them plan ahead so they can make informed, stress-free choices.

Problems People Experience:

• Lack of knowledge about Medicare enrollment steps
• Confusion about Medicare Parts A, B, C and D
• Unaware of key deadlines, such as Initial Enrollment Period (IEP)
• Unprepared for changes in healthcare costs at 65

Solutions We Provide:

• Educate clients about their Medicare options well before they turn 65
• Provide a step-by-step guide for Medicare enrollment
• Help compare future Medicare plans based on projected health needs
• Offer reminders and support to ensure on-time enrollment