Medicare enrollment used to be easy... but not anymore.

JUST ONE Medicare mistake can cost you thousands of dollars and keep you from getting healthcare services.

Plus, most of these mistakes cannot be undone.

Don't make the critical error of underestimating the complexities of Medicare. The following are just a few examples of thousands of people who make Medicare enrollment mistakes. As a result, they'll overpay for health coverage, will not be able to get certain types of coverage, and/or may not be able to get needed healthcare services or see their preferred healthcare providers – for the rest of their lives.



TOTAL COST: $5,200

Plus,  Carol may NEVER be able to get a Medicare Supplement plan.

CASE STUDY: Enrolling Too soon

When Carol turned 65, a professional told her that she had to enroll in Medicare in order to avoid late enrollment penalties. Following this guidance, Carol enrolled in Medicare Parts A, B and D.

Unfortunately, Carol also remained covered by her husband's employer plan. This means that Carol enrolled in Medicare prematurely – paying $5,200 over a 20 month period for Part B and D coverage that she could never use. Plus, she no longer has a Guaranteed Issue Right. This means that, if she has any prexisting health conditions, she may NEVER be able to get a Mediare Supplement plan.

Bottomline: For just $65, i65 could've saved Carol thousands of dollars.


TOTAL COST: $9,814+

Plus, Tom will pay a 10% late enrollment penalty for the rest of his life.

CASE STUDY: Enrolling Too late

Did you know? Your Initial Enrollment Period for Medicare is three months before your birth month, your birth month, and three months after your birth month... UNLESS your birthday falls on the first of the month. Then, everything shifts ahead one month.

Tom was not aware of this nuance and missed his Initial Enrollment Period. As a result, the next time Tom could enroll in Medicare was during the General Enrollment Period (January to March of each year). Then his Medicare coverage wouldn't begin until July.

The average monthly premium of a private healthcare plan for someone 64 years of age is $701 — a total of $9,814 for 14 months of coverage! Plus, Tom will pay a 10% late enrollment penalty added to his monthly Medicare premiums for the rest of his life.

Bottomline: i65 would've saved Tom more than $10,000.

Over the last decade, Medicare has become incrasingly more complex. Part D, donut holes, Medigap, Medicare Advantage, IRMAA, late enrollment penalties, Supplement insurance, Initial Enrollment periods, Special enrollment periods, and much more.

However, the way today's Baby Boomers learn about Medicare is very similar to 10, 20, and even 30 years ago. Meaning, you must conduct lengthy research about Medicare regulations or rely on an insurance agent who's job it is to sell specific plans. And, just one Medicare mistake can cost you thousands and impact your access to health coverage for the rest of your life.

All of this is about to change...
Introducing i65® Medicare Enrollment Guidance Software.

i65 provides you with a fast and easy way to get individualized, expert Medicare guidance without the fear that you're simply being sold a plan. With i65, all you have to do is answer a series of easy-to-understand questions. The software provides you with:

  • Individualized Medicare enrollment guidance – With i65, you'll get clear answers about whether you need to enroll now or if you can delay Medicare without incurring penalties. You'll learn which type(s) of Medicare insurance coverage is best for your unique health, financial, and lifestyle needs. You'll get the guidance you need to steer clear of costly mistakes.

  • Step-by-step enrollment instructions – Which parts of Medicare do you need to enroll in? How do you enroll? What forms do you fill out? i65 provides you with all the directions you need to take action.

  • Access to a library of invaluable Medicare tools, calculators and resources
    • EGHP vs. Medicare: Is your Employer health coverage superior to Medicare? Or is Medicare better? Use the tool to find out.
    • IRMAA Calculator: Are you a higher income Medicare beneficiary? Will you be subject to higher Medicare premiums? Find out with this handy calculator.
    • "How to Use the Medicare Plan Finder" video series: i65 provides you videos that walk you through how to use and understand the results of the Medicare Plan Finder tool. Use this video series to pick a Part D drug plan or a Medicare Advantage plan that is best for your unique needs.
  • plus much more!
A fast, easy and unbiased way to expert Medicare enrollment guidance.


Simple software; Expert Medicare enrollment guidance

i65 simplifies your Medicare decisions — without oversimplifying critical regulations


In order to make Medicare seem easy, too many resources leave out crucial regulatory details.

Unfortunately, leaving out these details can lead to make Medicare mistakes that can cost you thousands and impact your access to healthcare for the rest of your life!

With i65, you'll get the precise information you need to make the best Medicare decisions for your unique needs. Best of all, you'll get it in mere minutes — without costly shortcuts.


• Up-to-date

The experts behind i65 continually study Medicare regulations and update the software as needed so that you can feel confident you're getting the most timely Medicare guidance.

• Personalized

i65 gets to know your unique needs through a series of easy-to-answer question. The software then provides you with expert, unbiased guidance to help you the best Medicare decisions.

• Easy to Use

To use i65 software, you don't need to be a Medicare expert. In fact, anyone, regardless of their knowledge of Medicare, can use i65 and feel confident that they're making the best Medicare decisions.



Developed by unbiased Medicare experts


i65 is the creation of 65 Incorporated and nationally-recognized Medicare expert, Diane J. Omdahl, RN, MS.

Through years of providing one-on-one consultations with seniors, along with their children, financial planners, and healthcare providers, the team at 65 Incorporated saw a huge need for honest, understandable and unbiased Medicare information that didn't end in a sales pitch.

The result is i65, and, now this revolutionary Medicare enrollment guidance software is available to you!