[PLACEHOLDER] Your first Medicare choice sets up everything that follows. California's birthday rule gives you more room to change course later than most states — but only for Medigap, and only if you start in the right place.
[PLACEHOLDER] Replace with the specific IEP timing rules and what happens if the window is missed — Part B penalties, Medigap underwriting, and the six-month guaranteed-issue window.
Why it matters
[PLACEHOLDER] What the Initial Enrollment Period looks like for this person and when each piece has to happen.
[PLACEHOLDER] The six-month window where no carrier can ask health questions, and why it matters more in California.
[PLACEHOLDER] How employer coverage changes the timing and what counts as creditable.
What we'll do together
Candor advises Medicare enrollees in Florida and California. Let's make sure your plan works for your situation.
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