Turning 65 or Heading Into Retirement?
Let's Get Your Medicare Right.
Whether you're approaching 65, stepping away from a job, or already on Medicare and wondering if you have the right plan — this free webinar gives you the clarity you need. No pressure, no jargon, no guessing.
Hear Directly From Your Medicare Advisor
Joe walks you through what to expect — in plain, honest language. No jargon, no pressure.
Subtitles/CC available — click CC in the YouTube player
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May
26
11:00 AM EDT
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Medicare Timing Can Make or Break Your Retirement Plan
The window around retirement is when Medicare decisions matter most — and the stakes are high. One missed deadline or wrong plan choice can cost thousands of dollars and cause lasting headaches. Here's what you need to know.
The Enrollment Window Is Narrow
You have a 7-month window around your 65th birthday to enroll in Medicare Part B without penalty. Miss it, and you'll pay a surcharge — for life. If you're still on employer coverage, the rules are different. We walk you through exactly when to enroll based on your situation.
Leaving Employer Coverage
Retiring from a job with group health insurance triggers a Special Enrollment Period for Medicare. But COBRA does NOT count as creditable coverage to delay Medicare Part B — a mistake that catches many retirees off guard. We help you coordinate the transition so nothing falls through the cracks.
Budget for What Medicare Doesn't Cover
Original Medicare covers roughly 80% of your medical costs — leaving 20% as your responsibility with no out-of-pocket maximum. A Medicare Supplement plan can cap those costs so a hospital stay doesn't threaten your retirement savings. We show you exactly how to close the gap.
Your Doctors May Not Be In Network
Medicare Advantage plans use networks — meaning the doctors you've had for years may not be covered. Before you choose any plan, we verify your physicians and medications are covered so you never face a surprise after enrollment.
IRMAA: When Income Affects Your Premium
Higher-income retirees pay more for Medicare Part B and D through a surcharge called IRMAA. If your income dropped due to retirement, you can appeal and have it adjusted immediately. We help you understand whether IRMAA applies and how to manage it.
You Can Change Plans — But Timing Matters
Already on Medicare but not happy with your plan? There are specific windows each year to switch. And if you're within your first 6 months on Medicare Part B, you have guaranteed issue rights to get a Supplement without medical underwriting. We make sure you don't miss that window.
An Independent Advisor Who Works for You — Not the Insurance Companies
"Medicare doesn't have to be stressful. My job is to make it simple, clear, and right for your situation — wherever you are in the country."
Joe Listhaus founded JSL Insurance in 2019 with one mission: make Medicare easy to understand and stress-free to navigate. With over a decade in the industry, he has helped more than 1,000 clients nationwide find coverage that truly fits their lives.
As an independent broker, Joe compares plans from multiple top-rated carriers objectively — no bias, no sales pressure. His guidance is always completely free, and he stays with you year after year.
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Coverage That Protects You at Every Stage
Medicare Guidance
We explain Parts A, B, C (Advantage), and D in plain language. Compare Medicare Supplement and Advantage plans from top carriers nationwide and enroll with complete confidence. We review your plan annually so your coverage evolves with you.
Life Insurance
Protect your family and your legacy with the right life insurance plan. From Final Expense and burial insurance to long-term protection, we match you with A-rated carriers that fit your goals and budget. Peace of mind for you — and those you love most.
Health Protection
Medicare doesn't cover everything. We help you fill the gaps with Cancer, Heart & Stroke, Hospital Indemnity, and Recovery Care insurance — additional protection designed specifically for seniors who want financial security when health events occur.
What Our Clients Are Saying
"Joe made Medicare so easy to understand. I was completely overwhelmed until I attended his webinar. He walked me through every option and I enrolled with total confidence. No pressure — just real help."
"I was turning 65 and had no idea where to start. A neighbor recommended Joe and it was the best phone call I ever made. He compared plans available in my area and found me coverage that saved me money and kept my doctors."
"As someone who was confused about the difference between Advantage and Supplement plans, Joe's free webinar was a game-changer. Clear, honest, and no high-pressure sales tactics at all."
"Joe reviewed my existing Medicare plan and found I was overpaying significantly. He switched me to a better plan with lower premiums and better coverage. He calls every year to review — I couldn't ask for more."
"I was approaching 65 and had no idea about the enrollment deadlines. He educated me thoroughly, helped me avoid penalties, and found me a plan that fit my health needs perfectly."
"Joe is the most knowledgeable and patient insurance advisor I've ever worked with. He took the time to explain everything until I truly understood my options. If you're turning 65, call Joe first."
Don't Navigate Medicare Alone.
Whether you're turning 65 this year or already on Medicare — the right guidance now can protect your health, your finances, and your peace of mind for years to come.