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Turning 65 soon?

Medicare helps with the cost of health care but does not cover all medical expenses or the cost of most long-term care. Starting with a complimentary Medicare Health Plan Review, our specialists will assist you in evaluating your prescription drugs, finances, health, and long-term needs. With this information, we’ll help you explore and understand your Medicare options, so you decide what coverage is best. 

We help answer questions such as: 

  • Am I eligible for Medicare? 
  • When, where, and how do I apply? 
  • What is the difference between Medicare A, B, C, and D? 
  • Is there a difference between Medicare Supplements, Medigap Policies, and Medicare Advantage Plans? 
  • Do I pay more for Medicare if I have a higher income? 
  • Do I qualify for “Extra Help or Limited Income Subsidy (LIS)” to help pay for my medications? 
  • If I am still working and covered under my employer plan, do I need to apply for Medicare when I turn 65? 
  • I am planning to retire. If I enroll in Medicare, how will this affect my younger spouse, who is not yet 65? 
  • How do I find a Prescription Drug Plan (PDP) that covers my medications? 
  • What’s the coverage gap or donut hole? 

Learn about the ABCDs of Medicare

Medicare FAQs

Medicare can be overwhelming. We look forward to helping answer your questions and concerns personally, but in the meantime, we hope you find these FAQs helpful.  

patients applying for medicare

I turn 65 this year. When should I enroll? 

Medicare’s initial enrollment period lasts for seven months. It begins three months before the month you turn age 65, includes the month you turn 65, and continues through the following three months. If you enroll before you turn 65, your Medicare coverage will start on the first day of your birthday month. If you enroll during your birthday month or the three months following, Medicare’s coverage will start the first day of the month after the application is received. 

What must I do first? 

It is essential that you’re enrolled in Medicare and have your new Medicare ID before we can enroll you in the best plan for your needs. Please go to to begin your enrollment process if you have not already done so. 

Am I required to be enrolled in Medicare? 

Yes, if you have an individual health plan. 

Yes, if you have group health coverage through an employer with fewer than 20   employees. 

No, if you have group health coverage through an employer with 20+ employees.   

How much does Medicare cost? 

Medicare Part A and Part B premiums change annually and are based on the beneficiary’s annual income. Click here to see the costs associated with Medicare Parts A and B in 2023

Is there a fee for your services?  

There is no fee to work with Towne Benefits. When our specialists write business, we are compensated by the insurance company.   

Find a Medicare Broker

Larry Barker
Larry Barker
Steve Frazier
Steve Frazier

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.