Garrett Ball

Sign Up for Medicare – When and How to Do It

January 16, 2026 By Garrett Ball Leave a Comment

Important Disclaimer: We are not Medicare, the Social Security Administration (SSA), or any federal government agency. To officially sign up for Medicare, you must enroll directly through the Social Security Administration. You can begin your Medicare application here: Sign Up for Medicare at SSA.gov.

Our role is different. We help individuals compare and enroll in Medicare Supplement (Medigap) plans after they have Medicare Parts A and B in place. If you are turning 65 or preparing to retire, this guide will walk you through when and how to sign up for Medicare — and what to do next.

When to Sign Up for Medicare

The most common time to sign up for Medicare is during your Initial Enrollment Period (IEP).

Your Initial Enrollment Period lasts 7 months:

3 months before the month you turn 65
The month you turn 65
3 months after the month you turn 65

For example, if your 65th birthday is in June, your enrollment window runs from March 1 through September 30.

Learn more directly from Medicare here:
When to Sign Up for Medicare – Medicare.gov

Medicare Enrollment Timeline Chart

The chart below shows how your enrollment window works around your 65th birthday.

Timeline	What Happens
3 Months Before 65	Best time to sign up. Coverage typically starts the month you turn 65.
Month You Turn 65	Enrollment still allowed. Coverage timing depends on application date.
1–3 Months After 65	You can still enroll, but coverage may be delayed.
After Initial Enrollment Period	You may face late enrollment penalties unless you qualify for a Special Enrollment Period.

How to Sign Up for Medicare

You can sign up for Medicare in one of three ways:

1. Online (Fastest and Easiest)

Apply online through Social Security:
Apply for Medicare at SSA.gov

2. By Phone

Call Social Security at 1-800-772-1213.

3. In Person

Visit your local Social Security office.

If you are already receiving Social Security retirement benefits at least four months before turning 65, you will usually be automatically enrolled in Medicare Parts A and B.

Do You Have to Sign Up at Age 65?

Not always.

If you are still working and covered under a large employer health plan (20+ employees), you may qualify for a Special Enrollment Period (SEP) and delay Part B without penalty.

However, COBRA coverage does not count as active employer coverage for Medicare enrollment purposes.

If you delay incorrectly, you may face:

Permanent Part B late enrollment penalties
Permanent Part D late enrollment penalties

What Happens After You Sign Up for Medicare?

Once you enroll in Medicare Parts A and B, you’ll need to decide how to receive your coverage:

Original Medicare + Medigap + Part D
Medicare Advantage (Part C)

If you choose Original Medicare, you may want to compare Medicare Supplement plans to reduce out-of-pocket costs.

Learn more about Medigap here:
Medigap Plan G Explained

Or compare Medigap vs Medicare Advantage:
Medigap vs Medicare Advantage

Common Medicare Enrollment Mistakes

Waiting too long to enroll in Part B
Assuming COBRA counts as employer coverage
Missing your 7-month Initial Enrollment Period
Not coordinating Medicare with HSA contributions

Enrolling correctly the first time prevents penalties and coverage gaps.

Key Takeaways: Sign Up for Medicare the Right Way

To sign up for Medicare, apply through Social Security during your Initial Enrollment Period. The best time is 3 months before your 65th birthday month. If you are still working, confirm whether you qualify for a Special Enrollment Period before delaying Part B.

Once Medicare is active, compare your coverage options carefully to avoid unnecessary out-of-pocket costs.

Frequently Asked Questions About Signing Up for Medicare

Do I automatically get Medicare at 65?

You are automatically enrolled only if you are already receiving Social Security retirement benefits at least four months before turning 65.

Where do I sign up for Medicare?

You must enroll through the Social Security Administration at SSA.gov or by calling Social Security directly.

Can I delay Medicare if I’m still working?

Yes, if you have active employer coverage from a company with 20 or more employees. Otherwise, penalties may apply.

What happens if I miss my enrollment window?

You may have to wait until the General Enrollment Period and could face lifetime penalties.

When should I compare Medigap plans?

You should compare Medigap plans once your Part B effective date is set. Your Medigap Open Enrollment Period begins when Part B starts.

Ready to Compare Medigap Plans?

Once you have signed up for Medicare Parts A and B, the next step is protecting yourself from out-of-pocket expenses.

Compare Medicare Supplement (Medigap) plans here:
Get Medigap Quotes

We help you compare carriers, pricing methods, and underwriting considerations so you can enroll confidently.

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Medigap Company Size – Does It Matter?

January 9, 2026 By Garrett Ball Leave a Comment

When comparing Medicare Supplement plans, many people instinctively gravitate toward the biggest insurance companies they recognize. Familiar names feel safer, more stable, and more trustworthy—especially when you’re making a decision that affects your healthcare for years to come.

But when it comes to Medigap coverage, does the size of the insurance company really matter as much as people think?

The short, although ambiguous, answer is sometimes.

Why People Worry About Medigap Company Size

Insurance is built on trust, and Medicare beneficiaries often equate size with security. Larger companies are perceived as being financially stronger, more experienced, and less likely to leave the market. Those assumptions aren’t unreasonable, but they can be misleading when applied to Medigap plans.

That’s because Medicare Supplement insurance works very differently from most other types of health insurance.

Standardized Benefits Mean Coverage Is Identical

One of the most important things to understand about Medigap is that the benefits are standardized by federal law. A Plan G from one company must cover the exact same medical expenses as a Plan G from any other company.

This means your medical coverage does not improve simply because you choose a larger carrier. Medicare processes the claim first, and your Medigap plan automatically pays its portion. There are no networks, no referrals, and no differences in how doctors are paid. (How Does Medigap Work?)

So if coverage is identical, where does company size actually come into play?

How Medigap Company Size Affects Pricing Strategy

The biggest difference tied to medigap company size is how premiums are priced and adjusted over time.

Larger insurance companies can take a conservative pricing approach. They tend to start with higher premiums but aim for smaller, more predictable rate increases. Their large blocks of policyholders can help spread risk more evenly, which can contribute to long-term stability.

Smaller or mid-sized companies, on the other hand, often compete aggressively on price. They may offer lower initial premiums to attract new enrollees, especially in competitive markets. That can make them very appealing upfront, but it also means future rate increases need to be monitored carefully.

Neither approach is inherently better. The right choice depends on how long you expect to keep your Medigap plan, your tolerance for future rate changes, and whether you value the lowest price today or predictability over time. (Plan G vs Plan N: Which Is Better?)

Financial Strength Matters More Than Brand Recognition

A common mistake is focusing on company size instead of financial strength. A well-managed, financially sound mid-sized insurer can be just as reliable as a national household name. So, remember, just because you have not heard of a company, that does not mean that they are not financially stable – there are many less recognizable insurance companies that have ‘A’ or ‘A+’ AM Best financial strength ratings (i.e. Medico or INA/ACE).

When evaluating a Medigap company, it’s more important to look at:

How long they’ve been offering Medigap plans
Their financial ratings
Their rate history in your specific state
The size and stability of their Medigap policyholder block—not their overall company size

Some very large insurers have raised rates aggressively in certain states, while some smaller companies have demonstrated excellent long-term consistency. An independent broker can provide historical rate increase history that, although not a guarantee of future increases, can help you sort the best options.

Why Long-Term Flexibility Is Often Overlooked

Another reason medigap company size matters is how it affects your options down the road. In most states, switching Medigap plans later requires medical underwriting. If your health changes, your ability to move to a different company may be limited. (Can You Switch Medigap Plans Later?)

That’s why starting with a company that balances competitive pricing with reasonable long-term stability is so important. Choosing solely based on size or brand recognition can lock you into higher costs unnecessarily—or expose you to steeper increases later.

So, Does Medigap Company Size Matter?

In a way, yes. But financial strength and stability and premium rates are more important factors.

Medigap company size can influence pricing strategy, rate trends, and market behavior. It does not affect your medical coverage or how claims are paid. The best Medigap choice is almost never about picking the biggest company. It’s about choosing the company that fits your health, budget, and long-term plans.

That’s why comparing multiple carriers—large and small—side by side is the smartest way to make a confident decision.

______________________________________
65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

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Bankers Fidelity Medigap Plans – Are They a Good Fit for You?

January 7, 2026 By Garrett Ball Leave a Comment

Choosing a Medicare Supplement (Medigap) plan is less about finding the “best” insurance company and more about finding the right fit for your health needs, budget, and long-term goals. One carrier that often comes up during the shopping process is Bankers Fidelity.

But how do Bankers Fidelity Medigap plans compare to other options on the market? And are they a good choice for you specifically?

This guide breaks down what you should know before enrolling.

What Is Bankers Fidelity and How Do Their Medigap Plans Work?

Bankers Fidelity is a long-standing insurance company that offers Medicare Supplement plans in select states. Like all Medigap insurers, Bankers Fidelity must follow federal standardization rules, which means:

A Plan G from Bankers Fidelity provides the same medical benefits as Plan G from any other carrier
The only real differences are price, rate stability, underwriting rules, and customer experience

This makes it easier to compare Bankers Fidelity Medigap plans side-by-side with competitors.

Which Medigap Plans Does Bankers Fidelity Typically Offer?

Availability varies by state, but Bankers Fidelity commonly offers:

Plan G – Comprehensive coverage with predictable costs
Plan N – Lower premiums with some cost-sharing
High-Deductible Plan G (in some areas) – Lower premiums, higher upfront risk

These plans help cover costs Original Medicare doesn’t pay, such as deductibles, coinsurance, and excess charges (depending on the plan). The Medigap coverage chart details what each standardized Medigap plan covers.

Bankers Fidelity Medigap Pricing: What to Expect

Pricing is often where Bankers Fidelity stands out.

In many markets, Bankers Fidelity Medigap premiums are:

Lower than large national carriers, on average
Competitive for healthy applicants who qualify for underwriting
Attractive for those focused on premium savings

However, pricing alone shouldn’t be the only factor you consider.

Rate Increases and Long-Term Stability

One of the most important considerations with any Medigap plan is how rates change over time.

When evaluating Bankers Fidelity Medigap plans, it’s smart to ask a broker:

How often have rates increased historically?
Are rate adjustments consistent or more volatile?
Is pricing based on attained-age, issue-age, or community-rated structures?

Lower starting premiums does not guarantee rate stability over time, as it depends on the company’s pricing strategy and claims experience.

Bankers Fidelity Underwriting Rules and Eligibility

If you’re enrolling outside of your Medigap Open Enrollment Period, medical underwriting may apply.

Bankers Fidelity underwriting guidelines can vary by state but are often:

Reasonable for healthy applicants
Less forgiving for certain chronic conditions
More flexible than some large carriers, but stricter than others

This makes it especially important to compare multiple companies at once, rather than applying blindly. (Compare Medigap quotes for your area by email)

Customer Service and Claims Experience

Because Medigap claims are processed directly through Medicare, most beneficiaries rarely interact with their Medigap carrier after enrollment.

That said, differences still exist in:

Billing accuracy
Customer support responsiveness
Ease of policy changes or questions

Bankers Fidelity generally operates as a smaller, more traditional carrier, which some beneficiaries prefer over large call-center models. Typically, when calling Bankers Fidelity, you will be speaking with a US-based representative.

Who Might Bankers Fidelity Medigap Be a Good Fit For?

Bankers Fidelity Medigap plans may be a good option if you:

Want a lower premium
Are comfortable reviewing coverage every few years
Prefer a smaller or mid-sized insurance company
Are working with an independent broker who can monitor rate trends

When Another Medigap Company Might Be a Better Choice

You may want to consider other carriers if you:

Place importance on being with a large, national brand
Are concerned about future underwriting flexibility
Prefer a carrier with a longer Medigap-specific track record

Bottom Line: Are Bankers Fidelity Medigap Plans Worth Considering?

Yes — Bankers Fidelity Medigap plans can be a solid option, but they are rarely the only good option.

The key is understanding how Bankers Fidelity compares to other Medigap companies available in your zip code, both today and long-term.

The best Medigap decision is always made by comparing price, stability, and fit — not brand recognition alone.

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Medicare 2026 Enrollment Period: Major Changes Coming

August 21, 2025 By Garrett Ball Leave a Comment

As the 2026 Medicare enrollment period approaches, beneficiaries should prepare for significant changes that could reshape coverage, costs, and plan availability. Thanks to recent legislation and finalized CMS rules, both Medicare Part D and Medicare Advantage are undergoing a notable reshaping.

Here’s what to watch—and how to plan.

Part D Reform Under the Inflation Reduction Act (IRA)

The Inflation Reduction Act gives Medicare unprecedented authority to negotiate drug prices—set to go into full effect in 2026. The first wave of 10 high-cost drugs, including Eliquis, Jardiance, and others, will benefit from these negotiated prices. According to projections, beneficiaries may see cost reductions of at least 38% per negotiated drug, saving the program billions and cutting out-of-pocket costs substantially. (Verywell Health, Wikipedia)

Deductible, OOP Cap, and Insulin Cost

For 2026, expect changes to Part D cost structure:

Deductible increases to $615 (up from $590). (Kiplinger)
Out-of-pocket cap rises to $2,100 (from $2,000). (Kiplinger)
Insulin costs capped at $35/month, now a permanent feature under Part D and B starting in 2026

Another consumer-friendly feature: expanded vaccine coverage at zero or reduced cost.

Additionally, the Drug Price Negotiation Program is rolling out and includes selected drug subsidies—a portion of negotiated prices will be subsidized by CMS during the initial coverage phase, reducing sponsor liability. (Centers for Medicare & Medicaid Services)

Premium Trends and Subsidy Shifts

Despite these benefits, Part D premiums could climb due to plan design shifts and reduced federal subsidies. A recent Wall Street Journal report anticipates a rise—stemming from reduced insurer subsidies and tighter protections. (Wall Street Journal)

Finalized Guidance & Plan Design Overhaul

CMS has released the Final CY 2026 Part D Redesign Program Instructions, which codifies IRA provisions into plan structure changes. This includes updated cost-sharing phases and the mechanics for the new subsidy program. (Centers for Medicare & Medicaid Services, Medicare & Medicaid Portal)

These updates aim to enhance affordability and reflect the richer benefit design. (Medicare & Medicaid Portal)

Changes in Medicare Advantage Plans

Payment Rates and Risk Adjustments

CMS has also finalized 2026 changes affecting Medicare Advantage (MA):

MA plan payment rates are increasing by approximately 5.06%, injecting new resources into plans.(MedStates)
Risk adjustment models for both MA and Part D are being updated, refining how plans are paid based on patient acuity.(MedStates, Applied Policy)

These changes may influence service areas, benefit levels, and plan availability during open enrollment.

Final Rule and Consumer Protections

CMS’s final CY 2026 rule strengthens policies across MA and Part D, incorporating IRA mandates and codifying new protections, including those relating to insulin and vaccines.(Federal Register, Sheppard Health Law)

Additionally, proposed MA and Part D reforms—such as expanded access to anti-obesity medications, behavioral health services, and tighter marketing rules around AI and prior authorization—were not all finalized.(Centers for Medicare & Medicaid Services, Sheppard Health Law)

What This Means for Beneficiaries During Open Enrollment (Oct 15–Dec 7, 2025)

Part D: Evaluating Plans Under a New Structure

With Part D’s new design in effect beginning January 2026, beneficiaries may want to:

Compare plans based on new deductibles and OOP caps
Check if their prescriptions are on the negotiated drug list, which may reduce their costs
Budget for potentially higher premiums—but significant savings on medications may offset the increase

Medicare Advantage: Plan Choice and Benefit Design

If you’re using an MA plan:

Check if your current plan’s network and benefit structure remain stable given new CMS payment rules and risk scores
Explore alternate MA plans that might offer lower cost-sharing or expanded benefits funded by the increased payments

Particularly Important for Dual-Eligibles and Low-Income Beneficiaries

CMS’s updates could change benefit packages and enrollment rules—especially for D-SNPs (Dual-Eligible Special Needs Plans) and those receiving low-income subsidies (LIS). The risk adjustment and subsidy changes may impact plan availability and cost-sharing.(Federal Register, MedStates)
Keep an eye on modifications to Low-Income Subsidy rules and premium expectations.(Wikipedia)

Medigap and Other Supplemental Coverage Considerations

While much attention is on Medicare Advantage and Part D, and those are the plans that utilize this annual election period (When is Medicare Supplement Open Enrollment?), beneficiaries who are on Original Medicare must also prepare for 2026.

Medigap Availability: Medigap (Medicare Supplement) plans remain standardized, but premiums may shift due to healthcare inflation and demographic changes. Beneficiaries should compare carriers and consider switching if premiums become unaffordable. Get a list of current Medigap rates by email.
Standalone Dental & Vision Plans: Since Original Medicare generally does not cover routine dental or vision care, standalone policies are expected to remain an important option in 2026.

Summary Table: Major Changes for 2026 Enrollment Period

Benefit Area	Key Change in 2026
Part D	Deductible bump to $615; OOP cap to $2,100; insulin cost cap; negotiated drug prices; Part D redesign finalized
Premiums	Possible increase due to reduced subsidies and IRA-driven cost-shifts
MA Payments	~5% increase in plan payments; refined risk adjustments
Plan Landscape	Possible changes in plan offerings, service areas, and benefit design
Subsidies & LIS	Ongoing changes may shift availability and costs for low-income beneficiaries

Expert Perspective on 2026 Medicare Open Enrollment

Policy experts emphasize the significance of this upcoming period:

“The 2026 Medicare Enrollment Period is not just another year of minor updates—it represents a fundamental shift in how Medicare operates, particularly for prescription drug coverage,” notes Tricia Neuman, Executive Director of the Medicare Policy Program at KFF.

Beneficiaries who are prepared will be best positioned to take advantage of these changes and avoid getting stuck in a plan that does not serve their needs due to increased premiums or reduced networks/coverage.

Final Thoughts

The 2026 Medicare enrollment period, running from October 15 to December 7, 2025, will be one of the most complex in recent years.

Thanks to the Inflation Reduction Act, prescription drugs are becoming more affordable for many Medicare Part D enrollees—with caps on out-of-pocket costs, insulin price limits, and negotiated drug savings. However, this is also likely to lead to increased premiums. Medicare Advantage plans will also see funding boosts and structural changes that may benefit enrollees but could also lead to reduced service areas or other restrictions.

With change comes complexity:

Comparison shopping is more important than ever—don’t assume your current plan remains optimal. Be on the lookout for your Annual Notice of Change (ANOC) that will come in late September/early October.
Understand coverage phase changes. New deductibles and negotiating savings will affect finances differently depending on medication usage.
Watch for changes in plan availability, benefit offerings, and provider networks due to revised MA payments and risk scores.

Getting ahead by reviewing available options starting October 1—and acting promptly—can make a big difference in both coverage and cost.

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Does Medicare Cover Dental?

August 19, 2025 By Garrett Ball Leave a Comment

One of the most common questions people ask as they approach retirement is: “Does Medicare cover dental?” Original Medicare (Parts A and Part B) provides excellent coverage for hospital and medical expenses, but dental benefits are a different story. Understanding what is—and isn’t—covered is essential so you can protect both your oral health and your wallet.

In this article, we’ll explain the rare circumstances when Medicare does cover dental care, outline your options for obtaining dental coverage, and compare Medicare Advantage vs. stand-alone dental plans.

Does Medicare Cover Dental Care?

The short answer is: Original Medicare does not cover most routine dental services (Medicare.gov Dental). This means no coverage for:

dental and medicare - dentist working on a senior

Routine cleanings
Fillings
Extractions
Dentures
Dental implants

However, there are a few obscure situations where Medicare will pay for dental services. These exceptions are tied to medically necessary care, not routine oral health.

When Medicare Covers Dental Work

Medicare may cover certain dental services if they are integral to a covered medical procedure. Examples include:

Dental exams before surgery
If you are scheduled for a heart valve replacement or organ transplant, Medicare may cover a dental exam because oral infections could complicate the surgery.
Jaw-related hospital care
If you suffer a traumatic injury to the jaw or face, Medicare Part A may cover the hospital stay and medically necessary surgery.
Oral exams related to kidney transplant or other major procedures
Medicare might pay for the dental exam itself if it’s a required part of a broader treatment plan.
Certain oral cancer treatments
In rare cases, if dental work is part of oral cancer treatment, Medicare may provide coverage.

It’s important to note that even when Medicare covers dental services, it usually only pays for the medical side of the care—not follow-up dental treatment. For example, if you break your jaw in an accident, Medicare may cover surgery in the hospital but not the dental implants you need afterward.

Why Dental Coverage Matters in Retirement

Ignoring dental care can have serious consequences. Oral health is linked to overall health, and untreated issues can worsen conditions like diabetes, heart disease, and infections.

Since Medicare doesn’t routinely cover dental, many retirees are surprised at the out-of-pocket costs:

Routine cleaning: $100–$200
Filling: $150–$400
Crown: $800–$1,500
Dental implant: $3,000–$5,000

For those on fixed incomes, these costs can quickly add up. That’s why it’s critical to plan ahead for dental coverage when enrolling in Medicare.

Does Medicare Cover Dental? Dental care costs are often unaffordable.

Options for Dental Coverage with Medicare

If you’re asking “does Medicare cover dental?”, the real answer lies in supplemental options. There are two main ways to obtain dental coverage:

1. Medicare Advantage (Part C) with Dental Benefits

Medicare Advantage plans are offered by private insurers and replace Original Medicare with bundled coverage. Many Advantage plans include dental benefits.

Pros of Medicare Advantage dental coverage:

Often included at no extra cost beyond your regular premium.
May cover preventive services like exams, cleanings, and X-rays.
Some plans include coverage for more expensive procedures (crowns, dentures, implants).
Convenient “all-in-one” coverage.

Cons to consider:

Dental benefits can be limited (annual maximums often $1,000–$2,000).
Provider networks may be restricted.
Costs vary significantly between plans and regions.

Best for: Those who like bundled coverage and are comfortable with provider networks.

2. Stand-Alone Dental (or Dental + Vision) Plans

If you stay with Original Medicare and a Medigap plan, you can purchase a stand-alone dental insurance policy. These are offered by private insurers and work independently from Medicare.

Pros of stand-alone dental plans:

Greater flexibility—you can choose a plan that meets your dental needs.
May include coverage for major services (crowns, bridges, implants).
Often available as dental + vision packages, which adds extra value.

Cons to consider:

Monthly premiums add to your overall healthcare costs.
Waiting periods may apply before major procedures are covered.
Benefits and networks vary widely.

Best for: People who want to keep Original Medicare and Medigap but still need comprehensive dental coverage.

Medigap and Medicare Advantage – How Do They Differ? | 65Medicare.org

FEATURE	MEDICARE ADVANTAGE WITH DENTAL	STAND-ALONE DENTAL PLAN
AVAILABILITY	ENROLLED IN MED ADVANTAGE THAT INCLUDES DENTAL	PURCHASE STAND-ALONE DENTAL TO GO WITH MEDICARE
PREMIUMS	OFTEN INCLUDED WITH PLAN	MONTHLY PREMIUM
COVERAGE	PREVENTIVE + SOMETIMES MAJOR	PREVENTIVE + MAJOR (VARIES)
PROVIDER NETWORK	USUALLY LIMITED	OFTEN BROADER
ANNUAL MAXIMUM	$1000-2000 TYPICALLY, VARIES BY PLAN	$1000-5000, VARIES BY PLAN

Factors to Consider When Choosing Dental Coverage

When evaluating your options, consider:

What services are covered? Preventive only, or also restorative and major dental work?
Annual maximums: Many plans cap dental benefits at $1,000–$2,000 per year.
Provider networks: Are your preferred dentists in-network?
Premiums vs. out-of-pocket costs: Weigh the monthly cost of the plan against what you’re likely to spend without coverage.
Bundled benefits: Do you want dental only, or dental + vision/hearing coverage?

Frequently Asked Question: Can I Use an HSA for Dental Costs?

Yes. If you contributed to a Health Savings Account (HSA) before enrolling in Medicare, you can use those funds tax-free for qualified dental expenses. However, once enrolled in Medicare, you cannot continue contributing to an HSA.

Key Takeaways

Does Medicare cover dental? In most cases, no—Original Medicare does not cover routine dental care.
Rare exceptions exist for medically necessary situations tied to surgery, hospitalization, or serious illness.
To get dental coverage, you need to either enroll in a Medicare Advantage plan with dental benefits or purchase a stand-alone dental insurance plan.
Evaluate your personal dental needs, provider preferences, and budget when choosing the best option.

Final Thoughts

Dental health plays a major role in overall well-being, but it’s an area where Medicare falls short. By understanding when Medicare does cover dental care—and more importantly, when it doesn’t—you can take steps to protect yourself financially and medically.

For most beneficiaries, the best path forward is deciding between a Medicare Advantage plan with dental benefits or a stand-alone dental plan that works with Medicare and Medigap. Planning ahead ensures you won’t be caught off guard by unexpected dental bills in retirement.

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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

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