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Timing is everything!
when you choose to start your social security income is no exception

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I was so confused with this whole process I almost wanted to give up. I was referred to Jan by a friend and the way she explained how Medicare works and broke down my plan options, it came together and made sense to me. Thanks to her effort and patience, I have the plan that is working for me.
Michael, J

Jan explained to me about my guarantee issue period. I spoke with two other agents and no one went over this. Thank goodness I never went with that first plan choice because I wouldn’t have this Medicare supplement coverage right now. I am very grateful.
Maria. M
Taking the mystery out of medicare
maximizing your social security benefits
Everyone likes options. Everyone needs options. But sometimes the options are confusing. And a mistake can make a big difference in retirement income or healthcare. For example:
- How to get the most out of Medicare.
- How to navigate Social Security.
- How to know what insurances you need – and even if you need them.
A certified National Social Security Advisor, Jan Knight navigates these complex options with a calm, experienced, personally tailored approach that makes it all quite painless and reassuringly simple.

Social Security & Medicare BLOG
Can You Apply for Medicare Without Social Security?
Key Points You do not need to be receiving Social Security benefits to apply for Medicare. You can receive Social Security benefits as early as 62 and Medicare benefits at 65. If you are already receiving Social Security benefits before your 65th birthday, you’ll be...
Is the Medicare Annual Wellness Visit Mandatory?
Key Points While the Medicare Annual Wellness Visit is not mandatory, it is a 100% covered preventive service. The Annual Wellness Visit differs from the typical annual physicals you were used to with group coverage. If you’ve had Medicare Part B for more than 12...
Why You Need Part D
Key Points Medicare Part D is a voluntary program, but if you do not enroll in a plan, you won’t have coverage for expensive medications. You will also have a late enrollment penalty if you don’t have other creditable coverage. Medicare Part D is a huge time...