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Medicare Guidance
Turning 65 changes the map. Here's your orientation.
Our practice focuses on under-65 health coverage — and part of doing that job honestly is making sure clients approaching Medicare understand what changes, when to act, and where to get properly licensed Medicare help. This page is education, not a sales pitch.
The basics, in one minute
Medicare has parts: Part A (hospital) and Part B (medical) make up Original Medicare; Part D adds prescription coverage; Medicare Advantage (Part C) bundles it through private carriers; and Medigap supplements Original Medicare's cost-sharing. Your Initial Enrollment Period spans seven months around your 65th birthday — and missing Part B enrollment without qualifying coverage can mean lifelong late penalties.
If you're on a Marketplace plan now
Premium tax credits generally end once you're eligible for premium-free Part A — staying on a subsidized Marketplace plan past that point can create real tax problems. The clean move: time your Medicare enrollment, then end Marketplace coverage the day Medicare begins. We coordinate those dates for clients so there's no gap and no overlap.
How CJS actually helps
- Map your enrollment window and deadlines so nothing lapses
- Wind down your ACA or private plan at exactly the right time
- Keep the rest of the household covered — spouse and dependents often still need under-65 plans
- Connect you with an appropriately licensed Medicare specialist for plan selection
Don't let a birthday create a coverage gap
Six months out is the right time to plan. We'll map the dates, the handoff, and the rest of your household's coverage — free.