Turning 65?Medicare doesn't have to be confusing.
Get personal Medicare guidance from Richard Martinez — an independent Medicare broker with 22 years of experience, licensed in Arizona and New Mexico. Richard calls you himself. You won't be sent to a national call center or sold as an internet lead.
Based in Gilbert, Arizona — serving all of Arizona & New Mexico.
A Note From Richard
You'll work directly with me
I'm Richard Martinez, and I've been helping Medicare beneficiaries since 2004. I'm a native Arizonan, I live in Gilbert, and I'm licensed in both Arizona and New Mexico.
When you request a consultation here, you're not being sent to a national call center, and your information is not sold as an internet lead. I'll call you myself — usually the same day, always within one business day.
We'll go through your doctors, your prescriptions, and how you actually use healthcare. Then I'll compare what's available to you across 13+ insurance companies and explain the real differences in plain language. There's no cost to you, and no pressure to decide anything on the call.
And when you have a question next February, or next October when plans change again — you call me. The same person. That's the part most people tell me they didn't know they were missing.
Free Guide
Your Turning 65 Medicare checklist
These are the five questions almost everyone has in the year before they turn 65. Tap any one for a short answer — then let Richard walk you through your own situation.
Your Initial Enrollment Period runs seven months: it starts three months before your 65th birthday month, includes your birthday month, and ends three months after. Applying in those first three months usually means your coverage starts the first day of your birthday month — with no gap.
It depends on your coverage. Active group coverage through your job or a spouse's job generally lets you delay Part B without penalty. COBRA and retiree coverage do not count — and getting that distinction wrong can mean a lifetime late-enrollment penalty added to your premium. This one is worth a phone call before you decide.
Medicare Advantage replaces Original Medicare with a private plan — often bundling drug coverage and extras like dental and vision, but with provider networks. Medigap works alongside Original Medicare with no networks, so you can see any doctor who accepts Medicare. Which is better depends entirely on your doctors, your medications, whether you travel, and your budget.
Generally during your Initial Enrollment Period — unless you already have other creditable drug coverage. Going without creditable coverage for 63 days or more can trigger a permanent Part D late-enrollment penalty that's added to your monthly premium for as long as you have Part D.
With a Medigap plan, you can see any doctor who accepts Medicare, anywhere in the country. With Medicare Advantage, you'll need to confirm your doctors are in that specific plan's network. Richard checks your actual doctors — by name — against each plan before recommending anything.
You're not being sold to a call center.
You're calling Richard.
Twenty-two years, one broker, and a free consultation with no obligation. Call directly, or request a callback and Richard will reach you within one business day.