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Turning 65 Soon?
Enroll in Medicare On Time and Avoid Lifetime Penalties
Skip the call centers. Talk to a REAL person.
Request a Call from Us:
A Simple 3-Step Plan for First-Time Medicare Enrollment
Avoid penalties, coverage gaps, and costly mistakes by enrolling the right way the first time.
Know when to enroll, what to choose, and how to avoid lifelong penalties.
Built for people turning 65 who want clear answers—not Medicare jargon.
Step 1: Lock in your enrollment timing
Medicare isn’t automatic for most people. Your Initial Enrollment Period starts 3 months before your 65th birthday and lasts 7 months total. Miss it, and you could face lifetime penalties or gaps in coverage.
We help you pinpoint exactly when you need to act based on your birthday, work status, and current insurance—no guessing..
Step 2: Choose the right coverage
Original Medicare alone doesn’t cover everything. You’ll need to decide between:
Medicare Supplement + Part D or
Medicare Advantage
This is where people usually get things wrong. We compare plans side-by-side based on doctors, prescriptions, travel needs, and costs—so you don’t overpay or get stuck with the wrong coverage.
Step 3: Enroll correctly the first time
Enrolling the wrong way—or at the wrong time—can trigger penalties that never go away.
We handle the paperwork, confirm everything is submitted properly, and make sure your coverage starts when it should. One call. Done right.
Why Work With Us Instead of Doing It Alone
Independent guidance focused on your needs, not one company’s plan
Help checking your doctors and medications before you enroll
Ongoing support after you sign up, not a one-and-done sale
A Small Sample of Our 500+ Five-Star Reviews
We Put the CARE in Medicare — Our Reviews Prove It
Daniel Roberts
Genuine Customer
I'm glad that I chose The Gary Smith Agency to help with my Medicare account!
They are a pleasure to work with!
Sarah Mitchell
Genuine Customer
Mr. Smith was most knowledgeable, very patient with me, and helpful in setting up my Medicare. Would definitely recommend him!!
Lisa Thompson
Genuine Customer
I leave all of my insurance questions to Gary Smith Agency. I have done it for years, because they make the best insurance choices for me.
We Put the CARE in Medicare — And You’ll Feel It From the First Call
No call centers. No pressure. Just clear answers from people who care.
