When does my Medicare enrollment window open?

For most people, the Medicare Initial Enrollment Period begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after — a 7-month window total. If your birthday falls on the first day of the month, your window may start earlier.

What happens if I miss my Medicare enrollment deadline?

Missing certain Medicare deadlines can lead to late-enrollment penalties for Part B or Part D that may last as long as you have Medicare. The rules depend on whether you have other qualifying coverage, such as active employer coverage.

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) bundles Medicare benefits through a private insurer and often includes drug coverage and extra benefits, but uses provider networks. Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs and typically allows broader provider access. The right choice depends on your doctors, prescriptions, budget, and coverage preferences.

Should I sign up for Medicare if I am still working?

It depends on your employer coverage, company size, whether your drug coverage is creditable, and whether you contribute to an HSA. Do not assume you should automatically enroll or delay. Review your specific situation before making a decision.

Is Lehigh Partners Senior Benefits connected with the government or Medicare?

No. Lehigh Partners Senior Benefits is a licensed independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in every area. Contact Medicare.gov or 1-800-MEDICARE for information on all available options.

Can I call instead of filling out the form?

Yes. You can call Lehigh Partners Senior Benefits directly at 833-265-9655. TTY users call 711. There is no pressure and no obligation to enroll.

Free Resource · Turning 65 Checklist

Turning 65 Soon? Get a Simple Medicare Checklist Before You Choose Coverage.

Medicare starts before your 65th birthday — and a few early decisions can affect your doctors, monthly costs, and coverage for years. This checklist helps you understand the deadlines, plan options, and what to check before choosing coverage.

No pressure. No obligation to enroll. Just clear Medicare help from an independent, licensed agency — Lehigh Partners Senior Benefits.

Prefer to talk first? Call 833-265-9655 — no pressure, no obligation.

Free Medicare Resource

Get My Turning 65 Medicare Checklist

First Name *

Email *

Phone

ZIP Code

Birthday Month

Are you still working?

Yes No Not sure

Yes, I give Lehigh Partners Senior Benefits permission to contact me by phone or email about Medicare coverage options and the checklist I requested. I understand I can ask to stop being contacted at any time. *

Lehigh Partners Senior Benefits is a licensed insurance agency. Not connected with or endorsed by the U.S. Government or the federal Medicare program. Not all plans are available in all areas. This is an advertisement for insurance.

What's Inside

What the checklist helps you review

Seven things to understand before your Medicare starts — in plain language, without the call-center pressure.

When your enrollment window opens

Your Initial Enrollment Period starts 3 months before your birthday month — not on your birthday.

How to avoid late-enrollment penalties

Missing certain enrollment windows can lead to Part B or Part D late-enrollment penalties that may last as long as you have Medicare.

Medicare Supplement vs. Medicare Advantage

The two main coverage paths work very differently. The right choice depends on your doctors, prescriptions, and how you prefer to pay for care.

How Part D prescription coverage works

Even if you don't take prescriptions now, going without creditable drug coverage can trigger penalties later.

What to check if you're still working

Employer coverage, HSA contributions, and company size all affect whether you should enroll now or delay.

Why doctors, prescriptions, and ZIP code matter

Plan options vary by county and ZIP code. What's available in your area may be different from what ads show.

When it makes sense to speak with a Medicare advisor

How to tell when comparing on your own is enough — and when a licensed local agent can help you avoid a mistake.

Simple Process

How this works

Three steps. No pressure. No obligation.

Submit your information

Fill out the short form above. We use your ZIP code and birthday month to pull up what's available in your area.

Get the checklist

We send you the Turning 65 Medicare Checklist — a plain-language guide covering deadlines, plan types, and what to review before you choose coverage.

Talk when you're ready

A licensed Lehigh Partners agent may follow up to answer questions and compare local options. No obligation. No pressure to enroll.

Ready to Get Your Turning 65 Medicare Checklist?

Your Medicare decisions can affect your monthly costs, your doctors, and your coverage for years. Grab the checklist now — before your enrollment window closes. Want your exact dates too? Build your Medicare timeline.

Call us directly: 833-265-9655

Get My Medicare Checklist

First Name *

Email *

Phone

ZIP Code

Birthday Month

Still working?

Yes No Not sure

Yes, I give Lehigh Partners Senior Benefits permission to contact me by phone or email about Medicare options and the checklist I requested. I can ask to stop at any time. *

Licensed insurance agency. Not connected with or endorsed by the U.S. Government or the federal Medicare program. Not all plans available in all areas.

Who You're Hearing From

Medicare help without the call-center pressure.

Lehigh Partners Senior Benefits is an independent Medicare agency. When you reach out, you are talking with a real licensed agent — not a national call center or lead aggregator.

Dave Scallion

Founder · Licensed Medicare Agent

Dave helps people turning 65 understand Medicare deadlines, plan choices, and what to check before choosing coverage. 20+ years in insurance.

Gina Chandler

Licensed Medicare Agent

Gina helps clients compare Medicare Advantage, Supplement, and Part D options clearly, calmly, and without pressure.

Danny Rodriguez

Licensed Medicare Agent · English & Spanish Se habla español

Danny helps clients compare Medicare options in English or Spanish — clearly and without pressure.

Prefer to talk first? Call 833-265-9655 — no pressure, no obligation.

Lehigh Partners Senior Benefits is a licensed insurance agency. We do not offer every plan available in your area. Currently we represent a number of organizations which offer products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program. Not all plans are available in all areas. This is an advertisement for insurance. TTY users call 711.