Make Sense of Medicare

Without the Confusion

Turning 65 in the next 9 months?

Learn how Medicare works so you can choose with confidence.

Join Medicare specialist Steve Germain in this free, no‑obligation instant webinar that explains your options in plain language.

Full Name

Email *

Phone *

How close are you to turning 65? *

By providing my contact information, I consent to receive communications from A&E Insurance Agency by phone, email, or text. I may opt out at any time. Message & data rates may apply.

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⭐⭐⭐⭐⭐ Google Rating (Verified Reviews)

Join Medicare specialist Steve Germain in this free, no‑obligation instant webinar that explains your options in plain language.

Full Name

Email *

Phone *

How close are you to turning 65? *

By providing my contact information, I consent to receive communications from A&E Insurance Agency by phone, email, or text. I may opt out at any time. Message & data rates may apply.

Your info is 100% secure

⭐⭐⭐⭐⭐ Google Rating (Verified Reviews)

What You'll Learn and Free Resources

What You'll Learn:

How Medicare Part A & B deductibles and cost‑sharing work.
The key differences between Medicare Supplement and Medicare Advantage.
Strategies that can help reduce potential coverage gaps.
Enrollment timelines and how to avoid late penalties.
Examples of how costs can vary by plan selection.

Free Resources:

“Medicare Decoded: A Clear Guide for People Turning 65” (digital or print edition).
Personalized Medicare Roadmap – step‑by‑step guidance tailored to you.
Medicare Cost Summary – a personalized overview of your potential costs.
Free, no‑obligation consultation with Steve.

About Steve

Meet Your Medicare Specialist — Steve Germain

10+ years helping clients with Medicare.
5‑Star Google rating (verified reviews).
Founder, A&E Insurance Agency.
Author of “Medicare Decoded: A Clear Guide for People Turning 65.
Lifetime client support with a family‑focused approach.

Important: Medicare enrollment timelines may affect coverage and costs. Missing certain periods may result in penalties or limited options.

Note: Medicare coverage generally begins the 1st of the month you turn 65 (or the month before if born on the 1st).

Find Your Medical Enrollment Window

Not sure when you can sign up for Medicare? Use our simple calculator to see an estimate of your Initial Enrollment Period based on your birthday. This helps you understand when you may be eligible to apply for Medicare.