Our Services
Medicare Enrollment Assistance
Enrolling in Medicare has a handful of deadlines and two or three decisions that are difficult to undo. We walk New Mexicans through all of it — free, because carriers pay our fee rather than you. In 2026 that means getting your Part B start date right, avoiding a permanent penalty of 10% of the standard premium for each full 12-month period you could have had Part B but didn't, and not missing the one Medigap window that never reopens.
What we actually do
- Work out which enrollment window you're in and what your deadline really is.
- Check whether employer coverage lets you delay Part B safely.
- Compare Original Medicare plus Medigap against Medicare Advantage for your situation.
- Check your doctors and your prescription list against the plans we offer in your county.
- Complete the enrollment and confirm your effective date in writing.
- Stay your advisor afterwards for claims, appeals, and the annual review.
The deadlines we're protecting you from
- Initial Enrollment Period — 7 months — the 3 months before your 65th-birthday month, that month, and the 3 months after.
- Part B penalty — 10% of the standard premium for each full 12-month period you could have had Part B but didn't, permanent.
- Part D penalty — 1% of the national base beneficiary premium for each month you went without creditable drug coverage, permanent.
- Medigap window — the 6 months that begin the month you're 65 or older AND enrolled in Part B, and it does not repeat.
Official detail on Medicare.gov.
Why it's free to you
Licensed agents are paid by the insurance carriers, not by clients, and the plan costs exactly the same whether you enrol yourself, through a call centre, or with us. What differs is whether anyone checks your drug list against the formulary before you sign.
What we need from you
- Your date of birth and whether you're drawing Social Security.
- Details of any current employer or retiree coverage.
- A list of your doctors and the hospital you'd use.
- A list of your prescriptions with doses.
That's usually enough for a 15-minute call to reach a clear recommendation.
Where we work
Albuquerque, Rio Rancho, Santa Fe, and Farmington by appointment, and virtually across New Mexico. See our service areas or the county pages for local plan and health data from CDC PLACES.
What happens after you enrol
We don't disappear once the application is in. We stay on for claims and appeals, and we re-check your plan each autumn during your annual coverage review, because premiums, formularies, and networks all change every January.
Not sure which of these fits you? A free 15-minute call with a licensed local advisor sorts it out — no pressure, and no cost to you. We do not offer every plan available in your area. For a complete list of every plan in your county, use Medicare Plan Compare or call 1-800-MEDICARE.
Questions, answered
Does enrollment help cost anything?
No. Licensed agents are paid by the carriers, not by you, and the plan premium is identical whether you enrol on your own or with our help.
When should I contact you?
About three months before your 65th birthday, or as soon as you know you're leaving employer coverage. Earlier is better because the best start dates require acting in that first window.
Can you help if I'm already on Medicare?
Yes. We review existing coverage every autumn during Annual Enrollment, and we can help mid-year if a Special Enrollment Period applies.
Do you offer every plan available?
No — we do not offer every plan available in your area. We tell you plainly what we do offer, and you can see every plan in your county on Medicare Plan Compare or by calling 1-800-MEDICARE.
Sources
- Medicare.gov — When can I sign up for Medicare?
- Medicare.gov — When does Medicare coverage start?
- Medicare.gov — Joining a plan
- Medicare.gov — Working past 65
- Medicare Plan Compare
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles
Figures are current-plan-year and come from the official sources above. Plan-specific costs vary by county and carrier — confirm yours on Medicare Plan Compare or with a licensed agent.
Content reviewed by Brian Penner, Independent Medicare advisor — no pressure.