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What's Your Medicare Situation?
Medicare looks different depending on where you're starting. Find your situation below for a guided walkthrough of the decisions that matter most to you.
Enrollment & Timing
I'm Turning 65
Medicare starts at 65. Learn when to sign up, what's automatic, and what choices you need to make.
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I'm Still Working Past 65
Covered at work? Find out whether you can delay Part B, how your HSA is affected, and when Medicare might cost less.
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I'm Retiring From Work
Leaving employer coverage? Understand your Special Enrollment Period and how to avoid late penalties.
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I'm Retiring Early
Retiring before 65? You'll need coverage to bridge the gap until Medicare starts. Here's how to do it right.
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I'm Losing My Coverage
Laid off, COBRA ending, retiree plan dropped, or your plan leaving the area? Here are your deadlines and rights.
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I Missed My Enrollment Window
Signed up late or facing a penalty? Learn how the penalties work, when you can still enroll, and how to appeal.
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Your Household
My Spouse and I Are Different Ages
One of you is turning 65 and the other isn't? Plan coverage for both of you, including Marketplace (ACA) options for the younger spouse.
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I'm Helping a Parent
Helping Mom or Dad with Medicare? Get the right permissions in place and learn the signs their plan needs a closer look.
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Your Health & Benefits
I Can't Afford My Prescriptions
Programs like Extra Help and Wisconsin SeniorCare may reduce or eliminate your drug costs.
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I Don't Like Doctors
Stay healthy and avoid unnecessary care? An MSA plan puts Medicare money in your pocket while still protecting you financially if something big happens.
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I've Had a Serious Diagnosis
Facing cancer, heart disease, or another serious illness? Understand your coverage, your costs, and your options for doctors and hospitals.
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I'm a Veteran
Have VA health care or TRICARE? Learn how they work alongside Medicare, and whether you need Part B.
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I'm on Disability and Under 65
On SSDI? Learn when Medicare starts, your plan choices, programs that lower costs, and what changes at 65.
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Your Plan
I Want to Review My Plan
Already on Medicare and wondering if you have the right coverage? Here's how to evaluate and switch.
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I Want to Leave Medicare Advantage
Thinking about switching to a Medicare Supplement? Learn when you can switch without health questions and how to do it without a gap.
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My Supplement Costs Too Much
Medicare Supplement premium keeps climbing? Compare your options — from trimming riders to switching — and the risks of each.
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I'm on a Limited Income
Several programs can help cover Medicare premiums, deductibles, and drug costs if your income is limited.
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I Have a Higher Income
Paying IRMAA surcharges? Learn what pushes you into a higher bracket, how to appeal after retiring, and how to plan ahead.
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I Think I Got Scammed
Gave out your Medicare number or got switched into a plan you didn't choose? Here are the steps to take right away.
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Where You Live
I'm Moving to Wisconsin
Wisconsin has its own Medigap rules and a unique drug assistance program — here's what changes.
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I'm a Nomad or Snowbird
RVers, snowbirds, and people with two homes need coverage that travels with them. Learn which plan types work — and which don't — when you're rarely in one place.
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I Live in Rural Wisconsin
Nearest specialist an hour away — or across the state line? Pick a plan based on where your doctors actually are.
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Still have questions? Talk with Marit.
Licensed Wisconsin agent in downtown Appleton. No cost to talk, no pressure to enroll.
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