 Once a beneficiary has a Medicare card with Parts A and B active, we can talk about insurance option. If James and Penny started the Medicare enrollment process in September, they should have cards in the middle of October and we can make an appointment to go over insurance options that can be effective for November 1st. Mesa Benefits makes the Medicare insurance process easy as pie. We can advise about timing for your Medicare Parts A and B enrollment. We can advise about the types of insurance available to you.