Turning 65
If you're approaching Medicare eligibility, we'll walk you through enrollment timelines, coverage options, and what to expect next.
Medicare Support
Medicare Doesn’t Have to Be Confusing.
Turning 65 or transitioning into Medicare can feel overwhelming. Our Medicare team guides individuals across the Space Coast every year through this transition with steady, personalized support.
You're sorting through parts, plans, deadlines, coverage gaps, and conflicting information. You want to make the right decision. You don't want to miss something important. And you'd rather talk to a real person than search through pages of online answers.
Talk to a Medicare advisor
Prefer to call? 321.345.9482
You don't have to navigate this alone.
At ThirdWave Benefits, we provide clear, patient, education-first guidance so you can move forward with confidence.
Talk to a Medicare advisorPrefer to call? 321.345.9482
Real Medicare Guidance, Right Here on the Space Coast.
When you call us, you won't reach a national call center. You'll speak with someone who takes the time to understand your situation and explain your options clearly.
We live here. We work here. This is our community and our home too.
That means your questions matter. Your timeline matters. Your peace of mind matters.
For Individuals & Families
Who We Help With Medicare
Retiring or Transitioning
If you're leaving employer coverage or moving from another state, we'll help you understand how Medicare coordinates with your situation and what steps to take.
Referred by Employer or Family
Many people find us through their employer's benefits plan or through family members who trust our guidance. If someone referred you, you're in good hands.
Medicare Parts, Plans, Costs, and Enrollment Timelines
Original Medicare (Parts A and B), Medicare Advantage (Part C), Medicare Part D, and Medicare Supplement plans work differently. We explain what each covers, compare premiums and out-of-pocket costs, check doctors, hospitals, and prescriptions, and identify the enrollment window that applies to your situation.
Coverage types we compare
- Parts A and B — Original Medicare
- Part C — Medicare Advantage
- Medicare Part D
- Medicare Supplement
What You Can Expect
How a Medicare Plan Review Works
We review your current coverage, medications, doctors, and concerns. We explain your options in plain language. We outline timelines so nothing is missed. We help you complete enrollment steps carefully and correctly.
And if questions arise later, we're still here.
If you'd rather read before you call, our Medicare team has written on why we lead with education and put together a Medicare guide for Brevard County.
Make a Confident Medicare Decision
Medicare decisions affect your health and your finances. You deserve to understand what you're choosing and why.
Our role is simple. We clarify the process so you can make informed decisions with peace of mind.
Medicare FAQ
Common Medicare Questions
What individuals across Brevard County and the Space Coast ask us most about Medicare.
What Medicare services do you provide?
We guide individuals through Medicare enrollment, plan selection, coordination with existing coverage, and ongoing questions after enrollment. Our approach is education-first and personalized to your situation. Our agents can provide you with supplemental Medicare plans for Original Medicare, Medicare Part C (Medicare Advantage Plans), and Medicare Part D Plans (Prescription Drug Plans).
Can I delay Medicare if I keep working past age 65?
It depends on the size of the employer, and getting this wrong is expensive. If you or your spouse are still actively working and that employer has 20 or more employees, the group plan pays before Medicare — you can keep it and delay Part B without a penalty. You can sign up for Part B any time while you still have that coverage, and for eight months after the job or the coverage ends, whichever comes first. If the employer has fewer than 20 employees, Medicare pays first, and delaying Part B can leave you owing the share Medicare would have covered. COBRA and retiree coverage do not count as active employer coverage — your eight months starts when the work ends, not when COBRA runs out, and that is one of the costliest Medicare mistakes we see. The Part B late penalty usually lasts as long as you have Part B: it adds 10% to your premium for every full 12 months you could have enrolled and did not. One more trap — if you contribute to a Health Savings Account, stop at least six months before you enroll, because Part A can be backdated up to six months and those contributions become excess. Ask your benefits administrator in writing how many employees the company has and whether the plan pays primary to Medicare, then call us and we’ll walk through your dates together.
Will I speak with a real person?
Yes. When you contact ThirdWave Benefits, you speak directly with a knowledgeable advisor who listens first and explains your options clearly.
Do you charge for Medicare guidance?
In most cases, there is no direct cost to you for Medicare plan guidance. We explain how compensation works so you feel fully informed.
What if I have questions after enrollment?
You can still call us. Our relationship does not end after enrollment. If your needs change or questions arise, we remain available to guide you.
Talk to a Medicare advisorDo you only work with businesses?
No. While employer group benefits are our primary focus, we also support individuals referred through client and community relationships who need clear, personalized guidance.
Next Steps
Ready to Talk?
If you're approaching Medicare or helping a loved one through the transition, we're here to guide you step by step.
Prefer to call? 321.345.9482
We do not offer every plan available in your area. Currently we represent 9 organizations which offer 35 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.