Turning 65?
Avoid Costly Medicare Gaps.

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  <h2 class="section-title">Medicare Starts At 65 — Are You Fully Prepared?</h2>
  <p class="section-p">The choice you make when you turn 65 is one of the most critical health decisions of your life. Under CMS guidelines, missing your Initial Enrollment Period can mean a lifetime premium penalty on Part B and Part D. Furthermore, your first 6 months on Medicare Part B represents your only guaranteed-issue window for Medicare Supplement (Medigap) plans.</p>
  <p class="section-p">Trek Insurance Solutions is independent. We work for you, not the insurance companies. We compare plans from the nation's top carriers (Mutual of Omaha, Aetna, Cigna, and more) to help you build the perfect, customized coverage plan.</p>

  <h3 class="section-title" style="margin-top: 40px;">Your 10-Minute Medicare Checklist</h3>
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    <li><strong>Medicare Part A (Hospital)</strong>: Understand how to enroll for free if you worked 10+ years (40 quarters).</li>
    <li><strong>Medicare Part B (Medical)</strong>: Map your premiums based on income (IRMAA) and secure your guaranteed-issue right.</li>
    <li><strong>Medigap vs. Medicare Advantage</strong>: Uncover the critical trade-offs between predictable monthly premiums vs. low-cost network co-pays.</li>
    <li><strong>Part D (Prescriptions)</strong>: Stop overpaying for your drug tier. Learn when to review formularies each year.</li>
    <li><strong>The 19-Licensed States Safety Net</strong>: Rest easy knowing your independent broker has active licensing in NE, SD, IA, IL, WI, TX, TN, AZ, AR, IN, OH, MI, VA, KS, MO, NM, SC, GA, FL.</li>
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    <h3 class="section-title" style="margin-top: 40px;">Your 10-Month Medicare Enrollment Timeline</h3>
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        <div class="timeline-time">6 Months Before 65</div>
        <h4 class="timeline-title">Begin Your Personal Education &amp; Audit</h4>
        <p class="timeline-desc">Gather your active health records and prescription lists. Audit any current employer plan options if you plan to continue working past age 65.</p>
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        <div class="timeline-time">3 Months Before 65</div>
        <h4 class="timeline-title">Your Initial Enrollment Period (IEP) Opens</h4>
        <p class="timeline-desc">You are now legally eligible to enroll in Medicare Part A and Part B. If you are drawing Social Security early, enrollment is automatic; otherwise, you must apply manually.</p>
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        <div class="timeline-time">Your Birth Month</div>
        <h4 class="timeline-title">Your Coverage Becomes Active</h4>
        <p class="timeline-desc">If you enrolled during the first 3 months of your IEP, your Medicare coverage officially begins on the first day of your birth month. Your 6-month Medigap guaranteed window opens today.</p>
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        <div class="timeline-time">3 Months After 65</div>
        <h4 class="timeline-title">Your Initial Enrollment Period Closes</h4>
        <p class="timeline-desc">This is your final opportunity to enroll in Part A, B, and D without delayed coverage start dates or permanent late-enrollment penalties.</p>
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    <img class="bio-image" src="/images/nick-frazier.jpg" alt="Nick Frazier, Retirement &amp; Social Security Specialist">
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      <h4 class="bio-name">Nick Frazier</h4>
      <p class="bio-title">Retirement &amp; Social Security Specialist</p>
      <p class="bio-para">Based in Omaha, Nebraska, Nick serves clients locally in Omaha and across Lansing, Michigan. With over a decade of corporate strategy experience at major institutions, Nick brings analytical discipline to help families transition into retirement with confidence. He cuts through the fine print to eliminate Medicare coverage gaps.</p>
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    <h3 class="form-title">Unlock Your Free Medicare Blueprint</h3>
    <p class="form-subtitle">Fill in the details below to download your checklist instantly and speak to an independent local specialist.</p>
    
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        <label for="lead-name">Your Full Name *</label>
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        <label for="lead-email">Email Address *</label>
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        <label for="lead-phone">Phone Number *</label>
        <input type="tel" id="lead-phone" name="phone" placeholder="(402) 555-0100" required autocomplete="tel">
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          <label for="lead-age">Your Current Age *</label>
          <select id="lead-age" name="age" required>
            <option value="" disabled selected>Select</option>
            <option value="62">62</option>
            <option value="63">63</option>
            <option value="64">64</option>
            <option value="65">65</option>
            <option value="66">66</option>
            <option value="67">67</option>
            <option value="68+">68+</option>
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          <label for="lead-county">County &amp; State *</label>
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            <option value="" disabled selected>Select Location</option>
            <option value="Douglas, NE">Douglas, NE</option>
            <option value="Sarpy, NE">Sarpy, NE</option>
            <option value="Ingham, MI">Ingham, MI</option>
            <option value="Eaton, MI">Eaton, MI</option>
            <option value="Other / Out of State">Other Location</option>
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    <h3>Thank You, <span id="user-display-name">Friend</span>!</h3>
    <p>Your download is ready. We have also sent a copy of the "Medicare Blueprint Checklist &amp; Timeline" directly to your email inbox. Our local independent specialist, Nick Frazier, will reach out to answer your questions within 1 business hour.</p>
    
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