Tampa Turning 65 Medicare Advisor

Tampa Turning 65 Medicare Advisor What to Do Before Your 65th Birthday in Tampa Florida

If you’re approaching age 65 in the Tampa area, you’re probably starting to hear more about Medicare. Mailboxes fill up with ads, TV commercials talk about “extra benefits,” and friends begin sharing their experiences. It can feel overwhelming.

At Mintco Financial, we help Tampa residents make clear, confident Medicare decisions—without pressure, call centers, or confusing sales tactics.

Why Turning 65 Is a Big Financial Decision

When you turn 65, you become eligible for Medicare. But the choices you make during this period can affect:

Your monthly premiums

Your doctor and hospital access

Prescription drug coverage

Out-of-pocket costs for years to come

Many people don’t realize:

You may face lifetime penalties if you enroll late.

Not all plans work with every doctor.

The cheapest plan isn’t always the best long-term option.

That’s why it’s important to speak with a local, independent Medicare advisor in Tampa who can compare options from multiple carriers.

Your Medicare Timeline: What to Do at 65

Your Initial Enrollment Period lasts 7 months:

3 months before your 65th birthday

Your birthday month

3 months after

Step-by-step checklist

3–6 months before turning 65

Review your current health coverage

Decide whether to stay on employer insurance or move to Medicare

3 months before your birthday

Enroll in Medicare Parts A and B

Compare supplement or Advantage plans

Before coverage starts

Choose your final plan

Confirm your doctors and prescriptions are covered

Your Main Medicare Plan Options

Option 1: Medicare Supplement (Medigap)

Works with Original Medicare

See any doctor that accepts Medicare

Predictable out-of-pocket costs

Popular with retirees who want flexibility

Option 2: Medicare Advantage

All-in-one plans

Often include dental, vision, and drug coverage

Lower monthly premiums in many cases

Network-based plans

There is no one-size-fits-all solution. The right plan depends on:

Your doctors

Your prescriptions

Your travel habits

Your financial goals

Why Work with a Local Tampa Medicare Advisor

Working with a local independent advisor offers major advantages:

At Mintco Financial:

We compare multiple top-rated carriers

We explain your options in plain English

We offer virtual or in-person meetings

You speak directly with a licensed advisor—not a call center

Our goal is simple:
Help you choose the right plan for your needs, not the one that pays the highest commission.

Common Turning-65 Questions

Do I have to enroll in Medicare at 65?

Not always. If you have credible employer coverage, you may be able to delay enrollment without penalties.

Is Medicare free?

Part A is often premium-free.
Part B and other plans have monthly costs.

Can I keep my doctor?

That depends on the plan you choose. We help verify your doctors and prescriptions before you enroll.

Serving Tampa and Surrounding Communities

We help clients across the Tampa Bay area, including:

Tampa

Lutz

Wesley Chapel

Land O’ Lakes

Brooksville

Spring Hill

New Port Richey

Zephyrhills

Appointments are available:

By phone

Video meeting

In person (by request)