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!
Find your Medicare dates
Enter your birth date to see when you can sign up, when coverage can start, and when the deadlines fall.
Tap any step to read more.
Dates can change if you or your spouse are still working and have employer coverage. Kim can walk through your situation and answer your questions at no cost to you.
Schedule a time with KimGeneral information only, not legal or tax advice. Your exact dates depend on your situation. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
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.
Estimate your yearly Medicare costs
Tell us how often you expect to use care in a year. We will compare estimated costs for a Medicare Supplement plan and a Medicare Advantage plan.
Change the plan assumptions
These are example numbers only. Kim can replace them with real quotes for your area.
Supplement estimate assumes a Plan G style plan, where you pay the Part B deductible and then most covered costs are paid by the plan. Part B premium and deductible shown are 2026 amounts and change each year.
Medicare Supplement
Medicare Advantage
Want real numbers for your doctors, prescriptions, and zip code? Kim can build a side-by-side comparison for you.
Schedule a time with KimEstimates are for illustration only and do not include prescription drug plans, non-covered services, or plan-specific rules. Actual costs vary by plan, provider, and location. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Ready 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.