Medicare clients

I help my clients to understand how Medicare works, so they can select a plan based on their personal needs and circumstances.

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Timing is everything in Medicare

  • Turning 65 soon?  Six months before your 65th birthday is a good time to begin investigating the ins-and-outs of Medicare.
  • Receiving SSDI? (Social Security Disability Insurance) Folks who have received 24 months of SSDI payments may qualify for Medicare, regardless of age.
  • Already enrolled in a Medicare Advantage or Prescription Drug Plan? You can make plan changes during the Annual Election Period October 7 – December 15.
  • Already enrolled in a Medicare Supplement Plan? In California, you can switch to any other carrier’s equal or lesser value plan, guaranteed issue, by applying 60 days before or following your birthday. Applications submitted at other times can result in a rate up or decline due to preexisting conditions.
  • 65+ and enrolled in employer-sponsored group coverage or COBRA? Your enrollment window varies, depending on various factors including Medicare Part A and B effective dates. Ask your employer’s Human Resources person for advice.

Helpful Medicare Publications
Visit and type in the name of the publication you wish to access. Below are names of some common publications.

  • Medicare & You
  • Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
  • Your Guide to Medicare’s Preventive Services
  • Your Medicare Benefits
  • Medicare and Other Health Benefits: Your Guide to Who Pays First
  • Medicare Hospice Benefits
  • Your Guide to Choosing a Nursing Home
  • Your Guide to Medicare Prescription Drug Coverage

Disclaimer: Aquarius Insurance Services, LLC and Michael Grodsky do not work for, and are not representatives of, Medicare or any government agency.