What services does MyMedicareMike.com offer?

We help individuals understand, compare, and enroll in Medicare plans. Our team provides personalized guidance on Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans so you can make informed decisions with confidence.

Do you charge for Medicare consultations?

No, our services are completely free to you. As licensed and independent Medicare advisors, we’re compensated by the insurance carriers, not our clients.

What’s the difference between Medicare Advantage and Medicare Supplement Plans?

Medicare Advantage (Part C) replaces your Original Medicare and often includes extras like dental or vision. Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket costs such as copays and deductibles.

Can you help me review my current Medicare plan?

Absolutely. We provide free annual plan reviews to ensure your coverage still fits your healthcare needs and budget, since plans and costs can change each year.

When can I enroll or make changes to my Medicare plan?

The Annual Enrollment Period runs from October 15 to December 7 each year. During this time you can switch, drop, or enroll in new Medicare plans. Special Enrollment Periods may apply after certain life events.

Do you represent specific insurance companies?

No. We’re an independent agency and work with multiple top-rated carriers to find the plan that best fits your needs.

Can you assist if I’m turning 65 soon and new to Medicare?

Yes. We specialize in helping first-time enrollees understand their options, avoid penalties, and get started with the right coverage before their 65th birthday.

Do you offer in-person or virtual appointments?

We offer both. You can schedule a face-to-face meeting at our New York office or connect virtually from anywhere for the same personalized guidance.

What if I’m on Medicaid or have other health coverage?

We can help you coordinate your Medicare benefits with existing coverage—including Medicaid or employer plans—so you maintain important benefits and avoid gaps.

How can I get started with MyMedicareMike.com?

Call us or fill out the contact form on our website to schedule a free consultation. We’ll walk you through your options and help you choose coverage that gives you peace of mind.

What Happens If I Do Nothing When I Turn 65?

What Are People Asking?

● Can I just ignore Medicare if I’m still working?
● Will Medicare automatically start when I turn 65?
● Is doing nothing actually a safe option?
● What happens if I miss my enrollment window?

Key Takeaways

● Doing nothing at 65 is not a neutral decision
● Medicare does NOT automatically enroll everyone
● Delays can lead to coverage gaps and penalties
● Your current coverage and work status determine your safest next step

The Most Common Assumption: “I’ll Just Deal With Medicare Later”

Many people turning 65 are busy with work, family, and daily life. It is completely normal to think Medicare can wait. However, Medicare operates on strict timelines. Ignoring those timelines does not pause them — it simply means decisions get delayed while deadlines continue moving forward.
Doing nothing is not always a mistake, but doing nothing without understanding your situation can create unnecessary complications.

Medicare Does Not Automatically Start for Everyone

One of the biggest misunderstandings is the belief that Medicare will automatically begin at age 65.
Automatic enrollment typically only happens if:
● You are already receiving Social Security benefits
● You are receiving Railroad Retirement benefits
If you are not collecting Social Security, you usually must enroll yourself. Waiting for Medicare to start on its own can lead to delayed coverage.

What Happens to Your Coverage If You Take No Action

The outcome of doing nothing depends heavily on your current insurance.
For example:
● If you have active employer coverage, you may be able to delay certain parts of Medicare safely
● If you do NOT have creditable coverage, you could face gaps in protection
● If you retire around 65 without planning, you may experience a temporary lack of coverage
This is why reviewing your current coverage earlier in the timeline is so important.

Potential Late Enrollment Penalties

Medicare penalties are not immediate punishments — they are long-term cost increases that can follow you for years.
Possible penalties may include:
● Part B late enrollment penalties
● Part D late enrollment penalties if drug coverage is not creditable
These penalties are often avoidable with timely preparation.

Coverage Delays Are a Real Risk

If you miss your Initial Enrollment Period and later decide to enroll, your coverage may not begin right away.
This can result in:
● Waiting periods before coverage starts
● Out-of-pocket medical expenses during the gap
● Added stress during an already confusing transition
Understanding deadlines in advance helps prevent these scenarios

Doing Nothing vs. Making an Informed Delay

There is an important difference between ignoring Medicare and intentionally delaying enrollment.
An informed delay may be appropriate if:
● You are still working
● You have qualifying employer coverage
● Your coverage is considered creditable
In these cases, the decision is strategic — not accidental.

How This Fits Into the 12-Month Medicare Timeline

Within the structured Week 4 roadmap:
● 9–7 months: Discovery and research
● 6–8 months: Asking the right questions
● 3 months before 65: Organized action
● Turning 65: Critical decision point
Reaching age 65 without a plan often creates the very confusion the timeline is designed to prevent.

Why Mail, Ads, and Deadlines Suddenly Increase

As you approach age 65, outreach from insurance companies and educational sources increases significantly. This is not random — it reflects your entry into the Medicare eligibility window.
Ignoring all communication may feel easier, but it can also mean missing important timing information that affects enrollment and coverage start dates.

Q & A: Doing Nothing at Age 65

Is it illegal to do nothing about Medicare at 65?

No, but it can lead to penalties, delays, or coverage gaps depending on your situation.

Can I enroll later if I change my mind?

Yes, but you may have to wait for a future enrollment period and could face penalties.

What if I am still working and covered by my employer?

You may be able to delay certain parts of Medicare safely, but this should be confirmed in advance.

Is doing nothing ever the best strategy?

Rarely. Understanding your options is far safer than ignoring the timeline.

A Calm but Important Takeaway

Turning 65 does not require panic — but it does require awareness. Doing nothing without understanding how Medicare works in your specific situation can lead to avoidable penalties, coverage delays, and unnecessary stress.
A simple, informed plan — even if it involves delaying enrollment — is always more effective than silence and uncertainty.

Choosing the Right Medicare Coverage

Selecting the best Medicare coverage depends on factors like your healthcare needs, budget, and preferred providers. You can choose between:

Original Medicare (Parts A & B): Allows you to see any doctor or
hospital that accepts Medicare but does not include prescription drug
coverage (Part D) or additional benefits.
Medicare Advantage (Part C): Offers bundled coverage with
potential extra benefits but may require using a network of providers.
Medigap (Medicare Supplement Insurance): Helps cover
out-of-pocket costs not covered by Original Medicare, such as
copayments and deductibles.

Key Medicare Enrollment Periods

It is crucial to enroll in Medicare at the right time to avoid penalties and ensure continuous coverage:

Initial Enrollment Period (IEP): A seven-month window starting
three months before your 65th birthday month.
General Enrollment Period (GEP): From January 1 to March 31
each year for those who missed their IEP.
Annual Election Period (AEP): From October 15 to December 7,
allowing you to switch or enroll in Medicare Advantage and Part D
plans.
Open Enrollment Period(OEP): From January 1 to March 31 for
those who missed AEP and want to make certain changes.
Special Enrollment Period(SEP): Can be used anytime during the
calendar year for those that meet certain criteria such as moving to a
new service area.

Finding Help with Medicare

Understanding Medicare can be complex, but you don’t have to do it alone. Licensed Insurance Brokers, Medicare.gov, and state health assistance programs can provide guidance tailored to your specific needs.

By taking the time to explore your Medicare options, you can make informed decisions that ensure you receive the healthcare coverage that best suits your lifestyle and budget.

Do I have to sign up for Medicare?

It depends upon your current coverage. If you are employed and your employer has over 20 employees then you can delay signing up for Medicare and avoid penalties.

Does Medicare cover Prescription Medications?

No, You will have to enroll in a stand alone Part D plan or a Medicare Advantage Plan(Part C) to get coverage.

I want to be able to go to any doctor/hospital, are there networks with Medicare?

There are no networks with Medicare and most doctors and hospitals accept it. However, Medicare does not cover 100% of services so a Medicare Supplement or Medicare Advantage plans is advisable.

Mike Miligi- Owner

For over 10 years, Mike has been assisting Seniors and other Medicare-eligible individuals in understanding the ins and outs of Medicare and Medicare Health Insurance options, including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD), and Dental and Vision programs.

Mike is Licensed in seven States and Certified with 11 Insurance Carriers. He has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client, not the Insurance Carriers, and is able to provide his clients with accurate and unbiased Health Insurance options.

Mike recertifies with CMS(The Centers for Medicare and Medicaid Services) annually, regularly completes Continuing Education Courses required by individual State Insurance Departments, and keeps abreast of industry trends and standards to offer his clients the most up-to-date information.