Skip to main content
Jenkins Insurance & Retirement is a private insurance practice not affiliated with or endorsed by the U.S. government or the federal Medicare program.

Turning 65

Your Complete Medicare Enrollment Guide

A step-by-step roadmap to enrolling in Medicare on time, avoiding costly penalties, and choosing coverage that fits your life — with a local advisor by your side every step of the way.

(435) 538-3474

Don't Go It Alone

Why working with an advisor matters more than you think

Turning 65 triggers one of the most complex decisions of your financial life. Most people navigate it alone, armed only with confusing government mailings and a flood of TV commercials. You don't have to.

Medicare is genuinely complicated

There are multiple parts, dozens of plan options, strict enrollment windows, and permanent penalties hiding around every corner. Most people turning 65 are handed a Medicare card and left to figure it out from a stack of confusing mailers. An experienced advisor has guided hundreds of people through this — and knows exactly which questions to ask and which pitfalls to avoid.

One wrong decision can cost you for decades

Miss an enrollment deadline and you could pay a higher premium for the rest of your life. Choose the wrong plan type and you might be locked out of the one you actually wanted. These aren't small mistakes — they compound year after year through retirement. Having someone in your corner who does this every day is the difference between enrolling with confidence and hoping you got it right.

We stay with you long after enrollment

Turning 65 isn't a one-time event — Medicare plans change every year, your health changes, your prescriptions change. We review your coverage every Annual Enrollment Period and reach out proactively if we see a better fit. You're not on your own after you sign the paperwork. We're still your advisor in year one, year five, and year ten.

You deserve someone who works for you, not a carrier

When you call a Medicare plan's 1-800 number, the rep on the other end works for that company and can only sell you their products. An independent advisor like Jenkins IR works with 10 carriers and has no quota to fill. We show you the options available in your zip code and recommend only what genuinely fits your situation — even if that means recommending a plan that pays us less.

Enrollment Timeline

Your 7-Month Enrollment Window

The Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday. This is your most important Medicare moment.

3 Months Before

Your Initial Enrollment Period Opens

Contact Social Security to confirm your Medicare start date
Decide whether to enroll in Part B now or delay if you have employer coverage
Start researching Medicare Advantage vs. Medicare Supplement options
Contact Jenkins IR — we'll compare plans from 10 carriers in your zip code for free

Month You Turn 65

Your Medicare Coverage Can Begin

Enroll in Part A (usually free — 99% of people qualify with no premium)
Enroll in Part B through SSA.gov or your local Social Security office
Choose your Medicare Advantage or Medicare Supplement plan
Add a Part D drug plan — even if you don't take medications

3 Months After

Your Initial Enrollment Period Closes

Make sure your enrollment confirmations have arrived
Verify your doctors accept your chosen plan
Set up automatic premium payments to avoid lapses
Save your Medicare card and Summary of Benefits documents

Step-by-Step

10 steps to Medicare enrollment

Click each step to see the details. Steps marked "Important" have the highest penalty risk if skipped.

Avoid These

Permanent penalties you want to avoid

Medicare late enrollment penalties are permanent and add up over decades of retirement.

Part B Late Enrollment Penalty

Penalty Amount

10% per 12-month period delayed

Duration

Permanent — added to your Part B premium for life

How to Avoid

Enrolling during your Initial Enrollment Period, or having qualifying employer coverage

Part D Late Enrollment Penalty

Penalty Amount

1% per month without creditable coverage

Duration

Permanent — added to your drug plan premium for life

How to Avoid

Enrolling in Part D as soon as you have Part B, even if you take no medications

Medigap Premium Increase

Penalty Amount

Varies — potentially denied or charged more

Duration

Outside your Open Enrollment Window, you may face medical underwriting

How to Avoid

Enrolling in Medigap within 6 months of Part B enrollment

These are the exact situations we help clients avoid every single day. Talk to us before your enrollment window closes.

Complete Transparency

How we get paid — and why it costs you nothing

One of the first questions people ask is: "What's the catch?" There isn't one. Here's exactly how independent Medicare advisors work — and why the system is set up to benefit you.

You pay us nothing — ever

Independent Medicare advisors are compensated directly by the insurance carriers, not by clients. When you enroll in a plan through CRSG, the carrier pays us a commission. You pay the exact same premium whether you use an advisor or enroll entirely on your own. Our guidance is genuinely free.

Our commission never changes the price you pay

Federal law prohibits insurance carriers from charging you more because you worked with an agent. The premium is the same on every channel — Medicare.gov, calling the carrier directly, or enrolling through us. There is no markup, no hidden fee, and no fine print. The only thing that changes is that you have someone looking out for you.

We are legally required to act in your best interest

Licensed Medicare advisors are bound by state and federal regulations — and by the Centers for Medicare & Medicaid Services (CMS) — to recommend plans that are suitable for each client's individual needs. Recommending a plan that isn't in your best interest isn't just bad practice, it puts our license at risk. Your interests and ours are genuinely aligned.

Trust is built on transparency — so here's ours

We tell every client exactly how we're compensated. We tell you which carriers pay us and which don't. If there's ever a reason a certain plan might not be the best fit, we say so — even if it costs us the sale. We've built our business on referrals from satisfied clients, and that only works if we earn your trust first.

"You pay the same premium whether you call the carrier directly, go to Medicare.gov, or work with us. The difference is that with us, you have a licensed advisor who knows your situation, answers your calls, and reviews your coverage every year."

— Jordan Jenkins, Jenkins Insurance & Retirement

Many people also review their life insurance or final expense coverage around the time they enroll in Medicare.

Helping a parent through this instead? See our guide for adult children and caregivers →

Content reviewed against 2026 plan-year figures. Dollar amounts change annually — we'll confirm the current numbers in your consultation.

Free Guides

Go deeper on this topic

Plain-language guides from our free resource library — no email required to read.

You don't have to figure this out alone

Medicare is complicated on purpose — and the stakes are high. One missed deadline or wrong plan choice can follow you into retirement for decades. We've helped hundreds of Wyoming and Utah families navigate this exact moment. Let us do the same for you — at absolutely no cost.

Free consultation · No obligation · No sales pressure · Serving Wyoming & Utah