Do I have to sign up for Medicare at 65 if I'm still working?

Not always. If you have qualifying employer coverage, you may be able to delay Part B without penalty and enroll later through a Special Enrollment Period. The details depend on your employer's size and plan — worth a quick call to confirm.

When does my coverage start?

If you enroll in the first 3 months of your Initial Enrollment Period, coverage generally starts the month you turn 65. Enrolling later can push your start date back.

What does it cost to get your help with all this?

Nothing. My guidance is free, and enrolling through me never costs more than going direct.

Areas We Serve | Medicare Help Across Arizona

Medicare plan availability is set county by county and changes every plan year. Two people thirty miles apart can have completely different options, which is why a plan a friend recommends may not even exist where you live.

These guides cover what is actually available where you are, the local care picture, and what to check before you enrol. We are licensed across Arizona with offices in Mesa and Sun City.

Arizona cities

Counties we work in

Maricopa, Pima, Pinal, Yavapai, Coconino, Mohave, Yuma, Cochise — and the rest of the state. If your community does not have a page yet, the help is identical: call and we will pull up what is offered in your ZIP code.

Our offices

Mesa — 5110 E. Southern Ave, Suite 101, Mesa, AZ 85206
Sun City — 10740 W. Bell Rd, Sun City, AZ 85351

Appointments are recommended so we can have your comparison ready before you arrive. We also work by phone and video across the state.

Common questions

Do you serve my county if it isn't listed?

Yes. We are licensed across Arizona and work statewide by phone and video, with offices in Mesa and Sun City. Some communities have a dedicated guide and some do not yet, but the help is identical — we look up what is actually offered in your ZIP code.

Why does my county matter so much for Medicare?

Because Medicare Advantage and Part D availability is defined by county and changes every plan year. Two people thirty miles apart in different counties can face entirely different menus of plans, premiums and networks. It is the single biggest factor in what you can choose.

I live in one county but see doctors in another. Which matters?

Both. Your county of residence determines which plans you may join. The network where you actually receive care determines whether a plan is usable. People often check only the first — it catches out residents of Casa Grande, Green Valley, Prescott and Bullhead City in particular.