Turning 65
Review the timing around Parts A and B, employer coverage, COBRA, and late-enrollment penalties before you make decisions.
Medicare
Understand your Medicare options before you enroll or make a change.
Get clear help with enrollment timing, Original Medicare, Medicare Advantage, Part D, Medicare Supplement coverage, doctors, prescriptions, and the plans Sky represents.
Sky Savarese is a licensed insurance agent, not a government employee.
Who This Is For
A Medicare conversation can help when something is changing.
This page is for people turning 65, leaving employer coverage, comparing current Medicare coverage, reviewing prescriptions or doctors, or trying to understand which Medicare path fits their situation.
Reviewing Coverage
Compare plan changes, prescription costs, doctors, hospitals, travel needs, and annual notices before you switch or stay put.
Leaving Work Coverage
Understand Medicare timing when employer or retiree coverage changes so you can avoid gaps and unnecessary confusion.
Coverage Paths
The major Medicare coverage paths.
Medicare Advantage and Medicare Supplement coverage are different paths. They are not generally used together.
Original Medicare
Part A and Part B are the foundation. They cover hospital and medical services, with cost-sharing rules and no built-in outpatient prescription drug coverage.
Medicare Advantage
Part C plans are offered by private insurance companies and may use provider networks. Plan benefits, costs, and rules vary by county and carrier.
Part D Prescription Drug Plans
Standalone Part D plans help with prescriptions for people using Original Medicare, often with or without a Medicare Supplement policy.
Medicare Supplement
Medicare Supplement policies, also called Medigap, work with Original Medicare and can help pay certain out-of-pocket costs.
2026 Medicare Disclosure: We do not offer every plan available in your area. Currently, we represent 9 organizations which offer 19-34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the U.S. government or the federal Medicare program. Calling 805-290-9449 will connect you to a licensed insurance agent.
What Sky Reviews
The details that can change your Medicare decision.
Sky can help review enrollment dates, plan types, provider networks, prescription coverage, pharmacy choices, premiums, copays, deductibles, out-of-pocket limits, travel patterns, and important plan notices.
She will explain the plans she represents clearly, including tradeoffs and limitations, so you can compare your options without feeling rushed.
Privacy note
Do not send Medicare numbers, Social Security numbers, banking information, medical records, detailed diagnoses, or full prescription lists through a free-text form.
Process
Medicare guidance, step by step.
Start with timing
Review when you are eligible, what coverage you have now, and whether any enrollment deadlines apply.
Compare coverage paths
Look at Original Medicare, Medicare Advantage, Part D, and Medicare Supplement options as separate choices.
Check practical details
Discuss doctors, prescriptions, pharmacies, costs, networks, and support after enrollment.
Medicare FAQs
Common Medicare questions.
Can I keep my doctors?
It depends on the type of coverage you choose and whether a plan uses a provider network. This should be checked before enrolling.
Do prescriptions matter?
Yes. Drug formularies, tiers, pharmacies, deductibles, and plan changes can all affect your costs.
When can I make changes?
Timing depends on your situation. Annual Enrollment, Medicare Advantage Open Enrollment, Initial Enrollment, and Special Enrollment Periods have different rules.
Talk with Sky about Medicare.
Use this form only for Medicare questions or Medicare plan information. Sky will personally follow up.