If you’re turning 65 and still working, you might wonder if you need to sign up for Medicare. The answer depends on your employer coverage. This post explains when you should enroll in Medicare Parts A, B, and D to avoid late penalties and coverage gaps. If you're in Maine and want help understanding your options, I’m here to make Medicare simple.

Medicare is federal health insurance for people 65+, covering hospital, medical, and prescription needs through Parts A, B, C, and D. Learn how it works, what’s covered, and how to choose the right plan for your needs in Maine.

When dealing with Medicare, there are several forks in the road. Trust that we can help you navigate these nuances and get you on track!

Discover how an independent Medicare broker can help you compare plans, save money, and find coverage tailored to your needs—all at no extra cost. Personalized, expert guidance for Medicare Advantage, Medigap, and Part D in Maine.

Wondering how much Medicare costs in 2025? Call Annette to get a clear breakdown of premiums, deductibles, and copays for Parts A, B, C, and D—plus tips on how supplemental coverage like Medigap can help you save.