Medicare Initial Enrollment Period
Approaching Medicare eligibility? We’re here to help.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At FCT Insurance, we help you make confident, informed choices about your coverage—whether you’re enrolling for the first time or reviewing your plan.
Your Initial Enrollment Period (IEP) is your first opportunity to enroll in Medicare. Understanding when it begins, the decisions you’ll need to make and what to expect can help you feel more prepared as you approach Medicare eligibility.
Your Initial Enrollment Period: Know your Medicare enrollment timeline.
For most people, Medicare eligibility begins at age 65. Your Initial Enrollment Period is a seven-month window surrounding your 65th birthday:
3 months before
Your enrollment period begins.
Your birthday month
You turn 65 and become eligible for Medicare.*
3 months after
Your Initial Enrollment Period ends.
Why Your Initial Enrollment Period Matters
​​Your Medicare decisions start before your 65th birthday.
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Your Initial Enrollment Period is an important time to understand your coverage options and determine what makes sense for your situation. Missing certain enrollment deadlines may result in delayed coverage or late-enrollment penalties.
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This is a good time to:
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Understand the different parts of Medicare
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Review Medicare Advantage and Medicare Supplement options
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Consider prescription drug coverage
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Understand how Medicare may work with existing or employer coverage
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Determine when you need to enroll based on your circumstances
Why FCT Insurance
FCT Insurance provides personalized guidance to help you understand your options and make informed decisions.
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Independent insurance agency
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Access to multiple Medicare insurance carriers
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Personalized, no-cost guidance from a licensed insurance agent
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Trusted partner of local credit unions​
Meet Your Agent
You don’t have to navigate Medicare on your own. Licensed Insurance Agent Quinlan Riser can help you understand Medicare, answer your questions and review coverage options based on your individual needs. His goal is to help you understand your options so you can make an informed decision about your Medicare coverage.
Quinlan Riser, MBA, CLU®, ChFC®
Medicare 101 Webinar
New to Medicare? Or want a refresher? Watch our Medicare 101 webinar to better understand how Medicare works, the different plan options and what to consider during Annual Enrollment Period.
Schedule a no-cost consultation.
Whether your 65th birthday is a few months away or your Initial Enrollment Period has already begun, we can help you understand what comes next. Complete the form below and Quinlan will contact you to schedule your no-cost Medicare consultation.
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For accommodation of persons with special needs, call 833-824-5909 TTY 711. By providing the information above, I grant permission for a licensed insurance agent to call or email me regarding my Medicare Insurance Plan options including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans. Calling the number above will direct you to a licensed insurance agent. This is a solicitation for insurance.
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FCT Insurance is an insurance agency not affiliated or endorsed by the government or Federal Medicare Program.​ We do not offer every plan available in your area. Currently we represent 5 organizations which offer 27 products in your area. Please contact Medicare. gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. This is a solicitation for insurance.
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Insurance and Wealth Management Products are: Not a Deposit; Not Insured by FDIC, NCUA or Any Government Agency; Involve Investment Risk, Including the Possible Loss of Value; No Credit Union or Bank Guarantee.