For Minnesotans turning 65
Medicare gives you one window to enroll on your terms. Miss it and some penalties stay on your premium for the rest of your life. Enter your birth month and see your dates.
Takes 30 seconds. A licensed Minnesota agent prepares it for you at no cost.
Medicare does not send a reminder for these. The rules are the same for everyone, and the penalties are built into your premium for life.
It opens 3 months before your 65th birthday month and closes 3 months after. This is the cleanest time to set up Medicare.
Delay Part B without other qualifying coverage and your premium goes up 10% for every 12 months you waited. That increase does not go away.
Go 63 days or more without creditable drug coverage and a permanent penalty is added to your drug plan premium.
You may be able to delay Part B if you have coverage through an employer. Whether that coverage counts depends on the size of the employer and how the plan is built. Getting this wrong is how most people end up with a penalty. Your timeline shows which path fits your situation.
Minnesota uses its own Medicare Supplement plans instead of the lettered plans used in most states. The local carriers, networks, and hospital systems matter. A national call center will not walk you through that. We live and work here.
Enter your birth month and contact information above.
A licensed agent maps out your dates, deadlines, and next steps.
Book a call to review your options. You decide if and when to enroll.
No. Agents are paid by the insurance companies. You pay the same premium whether you enroll through us or on your own.
No. The timeline is yours to keep. You can use it to enroll on your own or come back to us when you are ready.
No. Knowing your dates early gives you time to plan around employer coverage, retirement, and Social Security.
VitalShield Insurance Services is an independent agency based in Minneapolis with more than 20 years of experience helping families with Medicare, health, and life insurance.
Get your personal Medicare timeline from a local licensed agent.
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