You will receive a tremendous amount of mail. Whether you are aware of it or not, you are on a list, and many companies purchase this data. It is compliant with CMS (Centers for Medicare and Medicaid Services) to send mail to those turning 65 or older. You will get a lot!

You will also receive tons of phone calls. Beware of telemarketers! It is non-compliant to call you concerning Medicare Advantage, but it is legal to call you about Medigap policies. These callers can be tricky, so be cautious and never give your Social Security number over the phone. Additionally, Medicare or Social Security will never call you directly unless you have spoken to them previously and set up a phone appointment.

You will get advice from friends and family. In many cases, your friends or family may have already experienced this. Keep in mind that everyone has different needs, and what is right for them may not be right for you.

You will see, or may have already seen, TV commercials that can be misleading. Not everyone qualifies for all the benefits mentioned in TV ads. Plans are designed for each state and even each zip code within the state.