Independent, licensed Ohio broker serving Cleveland, Cuyahoga, Lorain, Medina, and Summit counties. Free consultations, no sales pitches — meet Steve Almeroth .
Free, in-person Medicare-101 talks at Northeast Ohio public libraries. Open to the public — no registration required, just drop in.
Tuesday, October 6, 2026 · 6:00 PM – 7:30 PM
Cuyahoga County Public Library — Middleburg Heights Branch
16699 Bagley Rd, Middleburg Heights
Free Medicare basics at the Middleburg Heights branch — how Parts A, B, C and D actually work, when you have to enroll, and what the late-enrollment penalties cost. Plain English, then time for your questions. No carriers, no quotas, no pressure.
Can't make it in person? Run the free enrollment calculator or book a 15-minute discovery call with Steve.
Medicare Enrollment & Timing
Master the enrollment process, key deadlines, and how to avoid penalties when signing up for Medicare coverage.
Understanding Medicare Coverage Options
Learn about Medicare Parts A, B, C, and D, and how to choose the right combination of coverage for your needs.
Maximizing Your Medicare Benefits
Compare Medicare Advantage vs. Medigap plans and discover strategies to get the most value from your coverage.
Clear Answers. No Sales Pitches.
Calculate your enrollment timeline
Find out when you're eligible to enroll in Medicare
I work for my clients and NOT for the insurance carriers, ensuring you get unbiased guidance.
As a lifelong resident of the Cleveland area, I live locally with my family and am committed to guiding our community through their Medicare choices.
I take the time to understand your unique situation and provide tailored Medicare guidance through remote consultations or local events.
In-depth guides for the most common Medicare situations in Northeast Ohio. Written by a licensed Ohio broker.
The 7-month Initial Enrollment Period, the "born on the 1st" rule, and how to avoid late-enrollment penalties.
Read the guide →When you can delay Part B without penalty, how the Special Enrollment Period works, and the small-vs-large-employer rules.
Read the guide →October 15 – December 7: the one window each year to switch plans, change between Original Medicare and Advantage, or pick up Part D.
Read the guide →Most people enroll during their Initial Enrollment Period — a 7-month window that begins three months before the month you turn 65, includes your birthday month, and ends three months after. If your birthday is on the 1st, the window starts a month earlier. Enrolling on time avoids the late Part B penalty (10% per 12 months delayed, for life) unless you have other creditable coverage.
Usually no — if your employer (or your spouse's employer) has 20 or more employees and provides creditable coverage, you can typically delay Part B without penalty. When that coverage ends you get an 8-month Special Enrollment Period to sign up. The rules are different for small employers (under 20 employees), where Medicare becomes the primary payer at 65.
Medigap (a Medicare Supplement) pairs with Original Medicare and covers most of the deductibles and coinsurance Medicare leaves behind, with no network restrictions — any provider that accepts Medicare. Medicare Advantage (Part C) replaces Original Medicare with a private plan, usually with networks, and often bundles drug coverage and extras. Ohio does not have a Medigap "birthday rule," so timing your initial purchase matters more here than in some states.
Read the full guide: Medigap vs Medicare Advantage in Ohio →
You can still enroll during the General Enrollment Period (January 1 – March 31 each year), with coverage starting the month after you sign up. Late-enrollment penalties may apply for Part B and Part D — they are permanent surcharges on your premium. Creditable coverage during the gap can waive the penalty.
AEP runs October 15 through December 7 each year. It is the one window when anyone on Medicare can switch plans, change between Original Medicare and Medicare Advantage, or pick up Part D drug coverage. Plan changes take effect January 1. Your current plan sends an Annual Notice of Change in September that lists every change for the upcoming year — read it before AEP starts.
Download our comprehensive Medicare checklist to help you prepare for turning 65
Don't wait until the last minute to make your Medicare decisions. Contact me today for a free consultation.
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