Miss it and you could face lifetime penalties that follow you forever. Get personalized, no-pressure guidance from a licensed Virginia Beach advisor — free.
Book My Free Consultation → Or call now: (757) 947-7108* General Enrollment Period runs Jan 1–Mar 31 each year. Special Enrollment Periods exist for qualifying life events.
Medicare late-enrollment penalties aren't a one-time fee — they're permanent additions to your monthly premium for as long as you have Medicare. Here's what's at stake:
Added to your Part B premium for every 12-month period you were eligible but didn't sign up. This penalty lasts for twice the number of years you delayed.
1% of the national base beneficiary premium multiplied by the number of months you went without creditable coverage. Permanent.
Applies only if you don't qualify for premium-free Part A. Most people with 10+ years of work history get Part A free — we'll confirm yours.
We do the research — you make the decision. No pressure, ever.
We start by learning your doctors, current prescriptions, preferred hospitals, and health priorities — nothing generic.
Side-by-side plan options from multiple carriers. We translate the jargon and show exactly what each plan costs you — including the fine print.
When you're ready, we complete a compliant enrollment together. No hidden steps, no surprise forms — just a smooth, guided process.
Annual plan reviews, mid-year check-ins, and year-round help. Coverage needs change — we stay with you.
Intentional Health & Wellness Solutions is a Virginia-based business built on trust, clarity, and personal service. I provide individuals and families with straightforward guidance on Medicare and life insurance without the jargon, sales pressure, or confusion that often surrounds coverage decisions.
Your 7-month Initial Enrollment Period starts 3 months before the month you turn 65. For the best coverage start date, enroll during those first 3 months — your coverage kicks in on your birthday month.
Not necessarily. If you or your spouse are actively employed and covered by a qualifying employer health plan, you can typically delay Medicare without penalty. You'll have a Special Enrollment Period when that coverage ends. We'll verify your specific situation before you make any decision.
Medicare Advantage (Part C) replaces Original Medicare through a private insurer — often with $0 premiums but network restrictions. Medigap (Medicare Supplement) works alongside Original Medicare to cover cost-sharing, giving you more provider flexibility. The best choice depends on your doctors, prescriptions, and how much cost predictability you need.
Original Medicare doesn't cover most outpatient prescriptions. You'll need either a standalone Part D plan or a Medicare Advantage plan that includes drug coverage (MAPD). We'll check your specific medications against current plan formularies.
No. We are compensated by the insurance carrier when you enroll in a plan — never by you. The consultation, plan comparison, and enrollment assistance are completely free.
Yes. Depending on your circumstances you may qualify for a Special Enrollment Period. Common qualifying events include losing employer coverage, moving, gaining or losing Medicaid eligibility, and more. Call us and we'll figure out your options.
No obligation. No sales pressure. Just clear answers tailored to you.
No sensitive health info needed at this stage.