New to Medicare? We Make It Simple
Your Guide to Medicare Enrollment and Benefits
If you’re turning 65, understanding Medicare is essential. The process can be overwhelming with many terms, deadlines, and decisions. At ACBS Insurance Services, we’re here to help simplify everything for you. With over 31 years of experience, we guide you through every step of the Medicare enrollment process, making sure you know what each part covers and how to make the best choice for your health and financial security.

What is Medicare?
Medicare is a federal health insurance program for people aged 65 and older, and for some younger individuals with disabilities. There are four main parts of Medicare:
Medicare Part A
Covers hospital care, skilled nursing facility care, hospice, and some home health care.
Medicare Part B
Covers outpatient medical services like doctor visits, preventive care, and lab tests.
Medicare Part C (Medicare Advantage)
Combines Parts A and B into a private plan, often with added benefits like vision, dental, and prescription drugs.
Medicare Part D
Provides prescription drug coverage.
When to Sign Up for Medicare
If you’re turning 65, you have a seven-month window to sign up for Medicare. This period includes:
- Three months before your 65th birthday
- The month of your 65th birthday
- Three months after your birthday
Signing up within this timeframe is crucial to avoid late enrollment penalties, which can increase your Medicare premiums by 10% for each 12-month period you delay signing up. If you miss your enrollment period, you could face higher costs for the rest of your life.

How ACBS Helps You Navigate Medicare
We know Medicare can be confusing, but you don’t have to figure it out alone. Our team at ACBS will:
Guide You Through Enrollment
We explain each step, help you understand your options, and assist with signing up.
Provide Personalized Advice
We consider your medical needs, budget, and preferences to recommend the best plan for you.
Support You Year-Round
We stay with you after you enroll, reviewing your coverage annually to ensure it still fits your needs.
Frequently Asked Questions
What happens if I don’t sign up for Medicare on time?
If you miss your initial enrollment period, you may have to pay a late enrollment penalty for both Medicare Part B and Part D, which can increase your premiums significantly.
Can I change my Medicare plan later?
Yes, during the Annual Enrollment Period (October 15 to December 7), you can switch plans. There’s also an Open Enrollment Period from January 1 to March 31 where you can make certain changes.
What if I’m still working and have employer insurance?
If you have employer coverage, you may be able to delay enrolling in Medicare without a penalty. Be sure to talk to your HR department and one of our experts to understand your options.
Get Started with ACBS
Navigating Medicare doesn’t have to be difficult. With ACBS Insurance Services, you have experienced professionals by your side every step of the way. Let us help you make the best decisions for your health and financial future.
