Your Roadmap to Medicare
Turning 65? Let's Get You on the Right Road!
Welcome to your Medicare journey! Whether you're retiring, continuing to work, or simply exploring your options, understanding your Medicare timeline is the first step toward making informed decisions.
I'm Kim Gibas, CIC, your local Medicare broker. I've been helping individuals and families navigate their insurance decisions since 1997.
Use my interactive Turning 65 Roadmap to explore your Medicare enrollment timeline, learn what steps to take next, and prepare for your Medicare coverage decisions.
Your Medicare journey starts here!
Your Roadmap to Medicare
Turning 65? See your enrollment timeline, explore your next steps, and get ready to compare your coverage options.
Find your Medicare milestones
Enter your birth month and year to see the typical Initial Enrollment Period for someone enrolling when they turn 65. Your personal situation may change when you need to enroll.
For privacy, your birth month and year are used only in your browser to display this timeline; this page does not submit them to NextGen.
Explore the six milestones
Select any milestone to expand its checklist. You can start wherever you are on your Medicare journey.
Get familiar with Medicare and your existing coverage.
- Learn what Parts A, B, C, and D cover.
- Decide whether you expect to work or retire at 65.
- Check whether you will be automatically enrolled.
- Ask your employer benefits team how your coverage coordinates with Medicare.
Employer size and whether coverage is based on current employment can affect Part B timing.
Where are you on your Medicare journey?
Choose your situation to see a helpful next step.
Ready to explore your coverage options?
Next, take the Medicare Quiz to identify your priorities, then review the one-page comparison and annual cost calculator. These tools are educational—not a personalized plan recommendation.
The quiz and calculator links work when those HTML files are published in the same folder as this roadmap. Update the links to your WordPress page URLs if you embed them elsewhere.
Questions about your timeline?
Kim Gibas, CIC | Local Medicare Broker
NextGen Insurance Advisors
6831 Allen Rd., Allen Park, MI
Find What Matters Most to You
Medicare Supplement
Predictable medical costs and flexibility
- Monthly premium: $195 estimated, plus Medicare Part B and a separate Part D drug plan.
- Doctors and hospitals: See any provider nationwide who accepts Medicare.
- Medical expenses: Plan G covers most Original Medicare cost-sharing after you meet the annual Part B deductible.
- Prescriptions: Enroll in a separate Part D plan.
- Dental and vision: Generally require separate coverage.
- Consider: Higher monthly premiums, but fewer out-of-pocket costs for Medicare-covered medical services.
Example premium for Plan G Southeast Michigan; actual rates vary by carrier and individual circumstances.
Medicare Advantage
Lower plan premiums with pay-as-you-use medical costs
- Monthly premium: Some plans have a $0 additional premium; you generally still pay Medicare Part B.
- Doctors and hospitals: Provider networks and out-of-network coverage vary by plan.
- Medical expenses: Copays and coinsurance may apply when you receive care.
- Annual medical cost limit: Plans have an out-of-pocket maximum for covered Part A and Part B services; the amount varies.
- Prescriptions: Most plans include Part D coverage.
- Dental and vision: Some plans include additional benefits, subject to coverage limits.
- Consider: Lower monthly plan premiums may come with higher costs when you need medical care.
Benefits, costs, and provider access vary by plan and ZIP code.
Your doctors, prescriptions, healthcare needs, and budget matter. Use our Annual Cost Calculator to explore how your estimated expenses could differ.
YOUR LOCAL MEDICARE RESOURCETurning 65? Compare your potential Medicare costs.
Explore illustrative annual expenses for Medicare Supplement and Medicare Advantage. Change every estimate to match your circumstances, then review actual plan options with a licensed agent.
Start with your Medicare costs
Part B is shown in both totals because most people pay it under either coverage approach. Change it if your actual premium differs.
Scenario buttons change only the sample medical and prescription spending below. They do not estimate your actual utilization or plan benefits.
Original Medicare + Supplement
Illustrative Medigap Plan G or Plan N, plus separate Part D coverage.
Medicare Advantage
Illustrative Medicare Advantage plan; many, but not all, include Part D coverage.
Your comparison
Totals add the amounts you entered; they do not account for every coverage restriction, excluded service, network rule, drug formulary, prior authorization requirement, premium change, or possible Medigap underwriting requirement. A lower estimated total does not establish which coverage is appropriate for you.
Questions about your options?
I'm Kim Gibas. Let's review your doctors, prescriptions, travel needs and actual Southeast Michigan plan options together. Consultations are available at no cost.
313-514-3222 · 6831 Allen Rd, Allen Park, MIReady to Review Your Medicare Options Together?
Schedule Your Complimentary Consultation With Kim
You've explored your Medicare timeline, compared your coverage options, and estimated your annual costs. Now let's talk about what makes sense for your individual needs.
I'm Kim Gibas, CIC, your local independent Medicare broker. I'll help you review your doctors, prescriptions, budget, and the Medicare plans available in your area—so you can make an informed decision with confidence.
Choose the appointment that works for you: Meet with me in person at my Allen Park office or schedule a phone consultation. Evening and Saturday appointments are available.
Kim Gibas, CIC | NextGen Insurance Advisors
📍 6831 Allen Rd., Allen Park, MI
📞 Call or text: 313-514-3222
Your consultation is complimentary, with no obligation to enroll.