Our Services
Medicare Enrollment Assistance in Bend, Oregon
Enrollment windows, deadlines, and paperwork can be confusing. We help you get it right the first time.
The Enrollment Periods That Matter
Initial Enrollment Period
A 7-month window around your 65th birthday: 3 months before your birthday month, your birthday month, and 3 months after. This is generally the best time to act.
Special Enrollment Period
If you have qualifying coverage through an employer, you may be able to delay without penalty and enroll later when that coverage ends.
Annual Enrollment Period
Runs October 15 – December 7 each year. This is for people already on Medicare who want to make changes to their coverage for the upcoming year.
General Enrollment Period
Runs January 1 – March 31. This is for those who missed their Initial Enrollment Period. Note that late enrollment penalties may apply.
What We Help With
- Understanding TimelinesWe help clarify which enrollment period applies to your specific situation.
- Gathering DocumentsWe ensure you have the correct paperwork ready before you start the process.
- Submitting on TimeWe help you submit your enrollment paperwork correctly and on time.
- Employer CoordinationWe assist in coordinating your transition from employer-sponsored coverage to Medicare.
Late Enrollment Penalties
Missing your initial enrollment window without having other creditable coverage in place can result in lifetime premium penalties for Medicare Part B and Part D.
These penalties are added to your monthly premium for as long as you have Medicare. This is why understanding your timeline is so crucial — we help you get the timing right to avoid these unnecessary costs.