Miss a Medicare window and the consequences arrive quietly: a lifelong penalty, a locked network, a full year until the next chance. There's no final notice in the mail — the dates just pass. This fixes that: tell us where to reach you and we'll send a short reminder before each window that matters opens, with what it's for in one plain sentence.
Required disclosures: Smooth Health Solutions is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 0–78 organizations which offer 0–2,613 products in your area. The exact number of organizations and products depends on your ZIP code, county, and plan year. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This page is educational, not a recommendation of any specific plan.
| Window | When | What it's for |
|---|---|---|
| Initial Enrollment Period | 7 months around your 65th birthday | First sign-up without penalty — the application guide |
| Medigap open enrollment | 6 months from Part B start | Any Medigap plan, no health questions — once |
| Annual Enrollment Period | October 15 – December 7 | Change Advantage or drug plans for January 1 |
| MA Open Enrollment | January 1 – March 31 | One switch if you're already in an Advantage plan |
| Special Enrollment Periods | Event-driven | Moving, losing employer coverage, and other triggers |
A few messages a year. Plain English. A working stop link on every one.
A few messages a year, and a working stop link on every one. Your information goes to one licensed agent — Zuriel Kinlock. It is never sold to a lead broker or passed to a call floor. Joining the reminder list does not enroll you in any plan, and consent to be contacted is not a condition of receiving the reminders.
The form is fastest, but this works too:
Say "reminders" plus your birthday month and state — that's everything we need. Free, unsubscribe anytime, and your information stays with this office. It is never sold.
The reminder tells you a window is open; the free 21-page guide tells you what to do inside it — costs, parts, and the decisions in plain English. Pair them and the calendar mostly runs itself.
What the windows decide:
Important: Smooth Health Solutions is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 0–78 organizations which offer 0–2,613 products in your area. The exact number of organizations and products depends on your ZIP code, county, and plan year. Please contact Medicare.gov, 1‑800‑MEDICARE (1‑800‑633‑4227; TTY 1‑877‑486‑2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This page is for general education, reflects 2026 amounts published by CMS, and is not a complete description of benefits or a recommendation of any specific plan. Enrollment cannot be guaranteed until an application is accepted by the applicable insurance company or program.