Turning 65 in Virginia?
Here’s what you need to know.
Medicare can feel overwhelming — but it doesn't have to be. Our local, independent Medicare experts in Botetourt County will walk you through every step, completely free of charge. No sales pressure. No telemarketing. Just honest guidance from people in your community.✓ 100% Free Service | ✓ Local & Independent | ✓ No Telemarketing | ✓ Multiple Top-Rated Carriers | ✓ Flexible Appointments
Your Medicare Timeline
What to Do — and When
Most people don't realize Medicare has strict enrollment windows. Missing them can result in lifetime penalties. Here's exactly what to do and when…Your Initial Enrollment Period begins 3 months before your 65th birthday. Starting the process early gives you time to compare plans and avoid gaps in coverage. We recommend reaching out to us 3–6 months before you turn 65.
Schedule a free consultation with our local Medicare experts. We'll explain your options, help you understand Original Medicare vs. Medicare Advantage, and make sure you're on the right timeline — at no cost to you.Contact Valley Medicare Solutions
Your Initial Enrollment Period (IEP) begins 3 months before your birthday month. This is the ideal time to enroll in Medicare Part A (hospital) and Part B (medical). Enrolling early in this window means your coverage starts on your birthday.Your Enrollment Period Opens
Once enrolled in Parts A & B, it's time to choose between Medicare Advantage (Part C), a Medicare Supplement (Medigap) plan, and a Part D drug plan. We'll compare all available options from top-rated carriers in Virginia to find the best fit for your health needs and budget.Choose Your Coverage— We Help Compare
Medicare plans change every year. During the Annual Enrollment Period (Oct 15 – Dec 7), we offer a free plan review to make sure your current coverage still fits your needs, medications, and budget. We'll flag any changes and help you switch if a better option is available.Annual Enrollment Period—Review Plan
COMMONLY ASKED QUESTIONS
Answers for People Turning
65
-
If you're still working and covered by a qualifying employer health plan, you may be able to delay Medicare enrollment without penalty. However, the rules vary depending on the size of your employer. This is one of the most common mistakes people make — let us review your specific situation before you decide whether to enroll or delay.ion text goes here
-
Medicare A is usually premium-free if you've worked and paid Medicare taxes for at least 10 years. Medicare Part B (medical coverage) has a monthly premium — in 2026, the standard premium is $185/month, though higher-income individuals may pay more. Additional plan premiums depend on which Medicare Advantage or Supplement plan you choose. We'll walk you through all the costs so there are no surprises
-
+
Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan, often with lower premiums but network restrictions and copays. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs, giving you more flexibility to see any doctor who accepts Medicare — usually at a higher monthly premium. There's no one-size-fits-all answer; the right choice depends on your health, travel habits, and budget. We help you compare both.
-
No — our services are completely free to you. As an independent broker, we're compensated by the insurance carriers when you enroll in a plan through us. This means you get unbiased, expert guidance at no cost. We're not tied to any single carrier, so our only goal is finding the best plan for you.
-
Absolutely — and we encourage it! Our office is located at 3615 Blue Ridge Blvd in the Blue Ridge Mall in Botetourt County, right beside the Blue Ridge Post Office. Walk-ins are always welcome Monday through Friday, 9am to 4pm. You can also book a free 30-minute consultation online at valleymedicaresolutions.com if you'd prefer a scheduled time.
Ready to get started?
Three Steps to Medicare Confidence…
Book a FREE Consultation
Schedule a 30-minute appointment — online, by phone, or walk in. We'll listen to your situation and answer every question with zero pressure
Compare Your Options
We'll shop plans from multiple top-rated carriers available in Virginia and present your options side-by-side so you can make a confident, informed decision.
We handle all the paperwork and guide you through enrollment. Then we're here year-round — not just during enrollment season — whenever you need us
540-235-5604
3615 Blue Ridge Blvd. Blue Ridge, Va 24064
Enroll with Confidence