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Getting the Medicare Coverage You Need
is as Simple as 1, 2, 3…


Enroll in Medicare Parts A&B

When can I first enroll?

Medicare Advantage + Part D

  • The three months before your 65th birthday, the month of, and the three months after
  • Enrollment in Part A is automatic if you are already receiving Social Security Benefits

Medicare Supplement

  • Your state may have a six-month guaranteed window that starts when you turn 65 and enroll in Part B

What if I’m late?

Medicare Advantage + Part D

  • For Part A, usually no penalties (unless you didn’t pay enough into Social Security)
  • For Part B, premiums will be higher after the Initial Enrollment Period (unless you qualify for an exception)
  • What if I work past age 65?

Medicare Supplement

  • You can apply later but may be charged a higher premium due to existing health problems, or rejected depending on your health history


  • Wait until the Open Enrollment Period (OEP), Oct. 15 – Dec. 7
  • You may qualify for Special Election Period (SEP)


Once enrolled in Original Medicare, determine the additional coverage that is right for you.

Original Medicare

Option 1

Option 2

$1,200 - 2,500/year

$0 - 500/year


Let us handle the application process for you. It’s FREE!

  • Verify your Medicare enrollment period is valid
  • Choose the right supplemental option for your situation
    • Option 1 or Option 2
  • Choose the carrier and plan that fits your needs
  • Enroll
  • Yearly plan review web site is operated by PCF Senior Benefits LLC, a licensed health insurance agency. We are in no way affiliated or endorsed by the Federal Medicare program. We offer Medicare Advantage plans, Medicare supplemental insurance policies (Medigap plans), and Medicare Part D prescription drug plans (PDP). PCF Senior Benefits LLC represents most of the national Medicare insurance carriers as well as several regional companies. The availability of Medicare Advantage plans and Medicare supplements varies from state-to-state, county-to-county. Our licensed independent insurance agents who specialize in Medicare Health plans are also standing by to provide a free consultation and answer questions about your Medicare options. Neither PCF Senior Benefits LLC nor its agents is connected with the Federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.