Turning 65 shouldn’t feel like a full-time job.
Seven months. Several important Medicare decisions.
Your Medicare Initial Enrollment Period typically begins three months before the month you turn 65 and ends three months after it. Starting early gives you more time to understand your choices.
3 months before – Start learning and gathering information.
2 months before – Review your coverage needs.
1 month before – A time to review whether enrollment is appropriate for your situation.
Birthday month – Your 65th birthday month.
1 month after – Enrollment period continues.
2 months after – Enrollment period continues.
3 months after – Initial window typically ends.
Your exact timing and effective date may vary, especially if you have employer coverage or your birthday falls on the first day of a month. We can help you review your situation.
We'll take it one step at a time.
No jargon-filled presentation. Just a focused conversation about what you have, what you need, and what comes next.
1. Understand your timing – We'll look at your 65th birthday, current insurance, and whether you plan to keep working so you know when to act.
2. Compare your paths – Learn how Original Medicare, Medicare Advantage, prescription drug coverage, and Medicare Supplement plans compare.
3. Choose with confidence – Review plan details in plain language, ask your questions, and make your own informed choice without pressure.
Bring your questions. Leave with a plan.
Medicare isn't one-size-fits-all. We'll help you focus on the details that matter for your doctors, prescriptions, and budget.
Parts A and B basics – Understand what Original Medicare covers and what it doesn't.
Coverage options – Learn how Medicare Advantage, Supplement, and Part D plans differ.
Doctors and prescriptions – Check that your providers and medications are covered.
Costs beyond the premium – Review deductibles, copays, and out-of-pocket maximums.
Plan-specific reviews begin only after you and the agent complete the required Scope of Appointment (SOA) process.
Good to know before we talk.
Questions are welcome
Every situation is different. These are helpful starting points—not personal enrollment advice.
Do I have to enroll in Medicare at 65?
Not always. If you or your spouse have qualifying coverage through current employment, you may be able to delay parts of Medicare without a late-enrollment penalty. The employer size and type of coverage matter, so it's worth reviewing before you decide.
What should I have ready for our conversation?
Your current insurance information, a list of prescriptions, preferred pharmacies, doctors you want to keep, and a general idea of your healthcare priorities are helpful.
Does it cost anything to speak with you?
No. There is no charge for an initial Medicare conversation with The Full Circle Insurance Agency, and you are not obligated to enroll.
Are you Medicare or a government agency?
No. The Full Circle Insurance Agency is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
Book a free 60-minute Medicare review with Christina.
Schedule a phone review Monday–Friday, 10 AM–6 PM Eastern. Christina will help you review your Medicare timeline, compare coverage options, and answer your questions.
The booking form asks for:
Name, Email, Phone, County, Current Medicare coverage
Let's make your Medicare next step clear.
Call The Full Circle Insurance Agency. No charge for this educational consultation; no obligation to enroll.
317-978-6796
Tfciac2025@gmail.com
317-978-6796
Licensed in FL, IN, MI, OH, TN, TX & VA (IN license #4100712)
317-978-6796
Tfciac2025@gmail.com
Thefullcircleinsuranceagency.com
All CY 2027 compliance revisions on this page are proposed and require FMO and compliance–counsel approval before launch.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent [X] organizations which offer [Y] plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Organization and plan counts are pending FMO verification.
Calling the number above will direct you to a licensed insurance agent.
Get clear, one-on-one help understanding your Medicare timeline, comparing your options, and choosing your next step - with a licensed agent serving Florida, Indiana, Michigan, Ohio, Tennessee, Texas, and Virginia.