Your Medicare Trailhead guide for turning 65
A plain-English, step-by-step guide to signing up for Medicare. See your sign-up window, your two coverage paths, how drug costs work and the 2027 numbers, all in one place.
- When to sign up so you avoid gaps and late penalties
- Medicare Supplement and Medicare Advantage, side by side
- The 2027 drug-cost cap and other key numbers
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What's inside: 7 quick stops
Each stop is one page. You can read the whole guide in about 10 minutes.
- Medicare's gaps
What Parts A and B cover, and the 20% with no yearly limit.
- Your sign-up window
The 7-month window and how to avoid gaps and late penalties.
- Pick your path
Medicare Supplement and Medicare Advantage, in plain words.
- Drug costs
How drug tiers work and why every plan's list is different.
- Your 2027 numbers
The $2,400 Part D cap, the deductible and the Part B premium.
- Extra protection
Dental, vision, hearing and other costs Medicare leaves out.
- Next steps
What to have ready and how enrolling with us works.
Meet Brandon and Jade
"We wrote this guide for the questions we hear every week from people turning 65. Our job is to make Medicare simple, so you can choose with confidence."
Brandon Sowder (NPN 20622977) and Jade Sowder (NPN 20595181), Licensed Independent Insurance Agents/Brokers with Sowder Insurance and Mayfield & Associates. Licensed in FL, AL, AZ, MI, ME, NC, SC, IN, OH and MT. We help by phone or in person, at no cost to you.