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09/2026

Serving the senior community with heart, not hype.
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Senior asking questions about changing Medicare plans with an advisor.
Key questions seniors should ask when considering a change to their Medicare coverage during Annual Enrollment.
Senior reviewing prescription drug costs with a Medicare advisor.
A story-based case study showing how an annual plan review led to significant prescription drug savings for a client.
Senior looking at a calendar to avoid Medicare late enrollment penalties.

How to Avoid Medicare Late Enrollment Penalties

Category Enrollment Guidance Date 19/09/26 Read time 1 minutes
Explanation of common Medicare late-enrollment penalties and how to avoid them, including real-world scenarios.
Turning 65 Medicare enrollment checklist being reviewed by a senior.
Step-by-step checklist for Colorado residents approaching age 65 so they can enroll in Medicare smoothly and on time.
Advisor comparing Medicare plan options with a Colorado senior.
Side-by-side comparison of Medicare Advantage and Medigap plans, with examples specific to Colorado seniors.
Senior couple reviewing Medicare information with an advisor.
A clear, plain-language overview of what Medicare is, how Parts A, B, C, and D work, and what they do and don’t cover.
About Sewald Insurance

Steven Sewald, helps Medicare-eligible adults understand their options and feel confident about their coverage choices. Explore clear explanations of Medicare Advantage, Medigap, and Part D plans, then connect for a no-cost consultation or use our trusted links to self-enroll in plans that fit your needs. We proudly serve seniors throughout Colorado with annual reviews and ongoing support.
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