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 Don’t Enroll in Medicare At All?

Key Takeaways

Will I Get A Penalty?

Can I Still Get Meds?

What If I Change My Mind?

For some people, Medicare feels optional.

They feel healthy. They’re still working. Or they simply don’t want to deal with another government program.

(Support Blog 2-6 — linked to Pillar: “8 Medicare Decisions That Matter More Than People Realize”)

Choosing Not to Enroll Is Still a Decision

Medicare does not automatically adjust to inaction.

If you ignore enrollment requirements, Medicare treats that choice the same as an intentional delay — and the system responds accordingly.

Most long-term Medicare problems arise not from bad intentions, but from misunderstanding what happens next.

Missing the 7-Month Initial Enrollment Window

If you are new to Medicare and do not enroll during your 7-month Initial Enrollment Period, and you do not have creditable Employer coverage — your options become limited.

In most cases:

You must wait until the General Enrollment Period to sign up
Coverage does not begin immediately
Gaps in coverage can occur

Waiting is not neutral. Timing matters.

Part B Penalties (The Most Common Issue)

While Part B penalties are the most widely discussed, they are not the only concern.

If Part B enrollment is delayed without proper coverage, monthly premiums can increase permanently.

This penalty grows the longer enrollment is postponed.

Part A Penalties (Less Common, But Possible)

Most people receive Part A without a premium.

However, if you do not qualify for premium-free Part A and delay enrollment:

Monthly Part A premiums may increase
The penalty can last for years

This scenario is less common, but it does affect certain individuals.

Part D Penalties (Often Overlooked)

Prescription drug coverage carries its own rules.

If you delay enrolling in Part D without creditable drug coverage :

A late enrollment penalty may apply
The penalty is added to your premium
The penalty can be permanent

This is one of the most commonly missed Medicare penalties.

What If I Eventually Want Medicare?

If you miss your Initial Enrollment Period and do not qualify for a Special Enrollment Period:

You generally must wait until the General Enrollment Period to enroll
Coverage typically begins later
Penalties may already be in place

This delay often surprises people who assumed they could sign up anytime.

When Delaying Enrollment Can Be Safe

There are situations where delaying Medicare is appropriate.

This usually applies when:

You have creditable employer health insurance
Enrollment is handled correctly when coverage ends
Required documentation is maintained

The key difference is intentional delay versus unintentional omission.

Q & A: Skipping Medicare Enrollment

Can I just enroll in Medicare later if I change my mind?

Not always. Enrollment is restricted to specific periods.

Are Medicare penalties temporary?

Some penalties last for years, and others may be permanent.

Does ignoring Medicare save money if I’m healthy?

It can appear to short-term, but risks increase significantly over time.

Is delaying Medicare always a mistake?

No. Delaying can be appropriate when done correctly with creditable coverage.

A Professional Takeaway

Not enrolling in Medicare is not automatically wrong — but it is never consequence-free.

Understanding enrollment windows, penalties, and future limitations allows people to make this decision intentionally rather than reactively.

Medicare works best when decisions are made with clarity, not assumptions.

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.