This episode hosted by:
Ristau Insurance Services — Kevin Ristau, Grand Prairie’s Medicare Expert. Helping seniors navigate the Medicare maze with confidence.
Jenna Pecor, Seniors Real Estate Specialist — Supporting Grand Prairie families with downsizing, estate sales, and real estate transitions.
Support the Faces of Grand Prairie and buy us a coffee! For the price of a coffee, you’ll be supporting local media that highlights Grand Prairie businesses. www.buymeacoffee.com/facesofgp
If you’re turning 65 soon (or helping someone who is), understanding Medicare’s enrollment periods can save you money and stress.
1. Initial Enrollment (IEP)
You get a 7-month window — three months before your 65th birthday, the month of, and three after.
This is the best time to choose your coverage because you’re guaranteed approval — no health questions.
If you want a Medigap plan (which covers what Medicare doesn’t), this is when to lock it in.
2. Special Enrollment (SEP)
Life changes? Chronic conditions? Moving to a new area?
Certain situations let you make changes outside the usual window, sometimes more than once a year.
3. Annual Enrollment (AEP)
From October 15 to December 7, everyone on Medicare can review or switch plans.
Even if you’re happy with your coverage, it’s smart to double-check — plans, networks, and drug costs change yearly.
⚠️ Watch for scams: This is peak season for fake calls and misleading ads. Always work with someone local and trusted.
Bottom line: Review your plan every year, and don’t be afraid to ask questions. The right information now can protect your health — and your wallet — later.
