Medicare & Retirement
Medicare gives you a 7-month window around your 65th birthday to sign up. Frank and Elia will walk you through it step by step, with no pressure and no commitment.
Prefer to talk? Book a short call →Tell us your birthday month and we'll reach out with your enrollment window.
Your Initial Enrollment Period starts 3 months before the month you turn 65, includes your birthday month, and lasts 3 months after. Signing up inside it helps you avoid delays and possible late penalties.
If you have coverage through your own or your spouse's employer, you may not need to sign up for every part right away. It depends on the size of the employer and the kind of coverage, so check before you decide.
Original Medicare (Parts A and B) covers hospital and doctor visits but not everything. Many people add a Medigap supplement plan to fill gaps, or choose Medicare Advantage, an all-in-one plan from a private insurer. We explain how each works and what to weigh.
Your medications and the doctors you want to keep should drive your choice. We help you check them before you enroll.
When you claim Social Security can change your monthly check for life, and it connects to your Medicare decisions. We walk through both together.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048) or your local State Health Insurance Assistance Program (SHIP) for information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Frank and Elia Hernandez are licensed insurance agents. This page is for general information and is not legal, tax or financial advice.