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It is important to be proactive and plan in order to avoid hasty decision-making, stress, and costly mistakes as you become eligible for Medicare. Each person’s situation is unique. Signing up for Medicare at age 65 will depend on whether you are retired, still working, or covered by a spouse’s employer plan.

My recommendation is for you to reach out to me at least twelve months before you turn 65 so I can help make sure you sign up during your personal enrollment window. I have met individuals who missed their initial enrollment window and consequently had to wait eight months before they were covered by Original Medicare. That’s a long time to go uninsured.

By signing up late, you may end up with a lifetime penalty, an amount that’s in addition to your Part B and Part D monthly premiums. Quite possibly the worst thing that can happen to a person who signs up late for Medicare is missing their opportunity for a “guaranteed issue Medicare Supplement.” That means you may be denied coverage if you have a pre-existing health condition. Medicare Supplements plans function very differently than Medicare Advantage plans. If you do not know the difference between the two or you are concerned and have questions, please give me a call today.

Every year the open enrollment period for Medicare begins on October 5th and runs through December 7th. Because Medicare plans can change coverage each year and because your health situation may change, you should spend some time to ensure that your health insurance coverage still meets your needs. Although this is a great time for individuals to review their plans, it’s also difficult to make a good Medicare decision because of all the information flying at you from all different angles: Family, friends, neighbors, colleagues, the human resource department, conflicting advice from the Social Security Administration, postcards, Joe Namath on TV pitching Medicare plans, the incessant robo-calls and more! Whether you are a Medicare “do-ityourselfer” or someone who would appreciate a simple explanation on all things Medicare, I encourage you to spend 15 minutes with me on a call. I guarantee this will be time well spent as you will have a peace of mind in knowing you receive objective, unbiased information so that you can make a well-informed decision.


"Steve came to my rescue in a desperate situation of losing my employer-provided health insurance. Steve helped me navigate the maze of offerings and even contacted Medicare to make sure my problem got resolved in a VERY short time. He was a lifesaver!"

"He walked me through the maze after learning about my goals for retirement. Very professional. Not pushy. Answered emails the same day, often within an hour or two."

"I thought Steve handled my situation very efficiently. If there was a question he could not answer, he would go the extra step & get the answer for me. Very impressed. He needs to market himself. There are many of us baby boomers that don't know a thing about Medicare who would all benefit from someone such as the Medicare Man."

Do you have Medicare concerns?
Contact Medicare Man TODAY!

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all your options.

Steve Lujan

CA License # 0K39663

EMAIL: [email protected]

PHONE: 760 689 8125


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