Don't spend time figuring it out alone.
Spend it enjoying what's important to you.
Personalized guidance for the Medicare, Social Security, employer coverage and income decisions that come before, during and well beyond age 65.
Retirement isn't just about when you stop working. It's about making the right decisions along the way.
Countdown to the 2027 Medicare Annual Enrollment Period:
2027 Annual Enrollment
Period is open for:
The hardest part isn't making a decision.
It's knowing which one is right for you
The internet is full of information. Friends and family have opinions. Every situation seems different. When the decisions affect your future, it's understandable to want more than generic advice. You want clarity that's personalized to you.
You might be:
Approaching 65 and unsure what decisions need your attention
Already on Medicare but questioning whether everything still fits
Preparing to leave employer or spousal coverage
Unsure when to claim Social Security
Concerned about IRMAA or how income may affect Medicare premiums
Coordinating Medicare, Social Security and income decisions for yourself or as a couple
Helping a parent, spouse or loved one navigate their options
Overwhelmed by conflicting information or worried about making an expensive mistake
You deserve to feel confident about the decisions that shape your future. My role is to help you gain the clarity and understanding needed to make informed choices, so you can spend less time worrying about the details and more time enjoying the life you've worked so hard to build.
You'll understand:
When to enroll in Medicare and how to coordinate it with employer coverage
The factors to consider when deciding when to claim Social Security
How Medicare and other coverage costs fit into your overall financial picture
How income may affect your Medicare premiums through IRMAA
Which coverage approach may best fit your needs and priorities
What decisions need your attention, when to make them, and how to move forward
Confidence in Your Coverage and Timing
Choose the Right Guidance for Your Benefits Decisions
Important benefits decisions don’t begin or end at 65. You may be preparing for Medicare, leaving employer coverage, reconsidering decisions you have already made, coordinating Social Security and income, managing IRMAA concerns, or helping someone you love. Each service below is designed to help you understand what matters, avoid costly missteps and move forward with a clear, personalized plan.
Employer Coverage &
Medicare Planning
Starting Medicare, leaving employer coverage, or reconsidering how your current coverage fits can involve important decisions with long-term consequences. This service helps you understand your options, timing, costs, and next steps with confidence.
Evaluate: We review your current coverage, employer benefits, costs, and anticipated timeline to understand your starting point.
Educate: You’ll understand how Medicare works, how it compares with your employer coverage, and which factors matter most for your situation
Execute: You’ll receive a personalized coverage comparison and clear action plan outlining what needs to happen, when, and in what order.
Comprehensive Benefits Planning
Your Medicare, employer coverage, Social Security, IRMAA and income-related decisions can affect one another. This service brings everything together into one coordinated plan, so you can see what deserves attention, what needs to happen and when.
Evaluate: We review your current coverage, employer benefits, Social Security considerations, income sources, IRMAA exposure and decision timelines to understand your complete picture.
Educate: You’ll understand how your Medicare choices, Social Security decisions and income-related considerations may affect one another, including how income can influence your Medicare premiums through IRMAA.
Execute: You’ll receive a complete, personalized plan with clear priorities, timelines and next steps, along with important questions to discuss with your financial, tax or legal professionals when appropriate.
Benefits & Income
Planning
Social Security timing and changes in income can affect more than your monthly cash flow. They may also affect your Medicare premiums through IRMAA. This service helps you understand those connections before making decisions that could have lasting consequences.
Evaluate: We review your Social Security timing considerations, pension income, anticipated income changes and other factors that may affect your Medicare premiums.
Educate: You’ll understand how IRMAA works and how decisions involving Social Security, pensions, Roth conversions and other income may affect your Medicare costs.
Execute: You’ll receive a personalized benefits and income coordination plan outlining important considerations, potential concerns and questions to discuss with your financial and tax professionals.
These planning services are educational and advisory in nature and do not include enrollment in a specific Medicare or insurance plan. Insurance plan guidance and enrollment assistance may be available separately when appropriate. Almost 65 Benefits Advisors does not provide investment, tax or legal advice. Clients should consult their financial, tax or legal professionals before making decisions in those areas.
Meet Joy
With nearly a decade of experience helping individuals and families navigate Medicare, Social Security, IRMAA and other important benefits decisions, Joy has seen firsthand how overwhelming these choices can become. People are often expected to coordinate health coverage, income and important deadlines without understanding how one decision may affect another.
That is why Joy created Almost 65 Benefits Advisors. Although the name begins with 65, her guidance does not end there. Joy works with individuals and couples before, during and well beyond their initial Medicare transition, as well as spouses, adult children and caregivers helping someone they love.
As a National Social Security Advisor and IRMAA Certified Planner, Joy provides specialized guidance for people concerned about how income may affect their Medicare premiums. Whether you are approaching Medicare, leaving employer coverage, already enrolled and reassessing your situation, coordinating Social Security and income decisions, or facing IRMAA concerns, Joy helps you understand how the pieces connect and move forward with greater clarity and confidence.
Joy Cheney
What Clients Say About Working With Joy
"I just wanted to thank you for suggesting the change to Cigna. I got our first two prescriptions today and Frank's went from $60 to $25 (the one that you said went up to $189. in Humana's formulary!) and mine went from $68 to $10! And with our two premiums just about the same as Humana's. Thank you!
Also took your advice and waited for my second shingle shot which was at no cost ($210 in 2022)! Thank you!"
Cindy
"Our experience was awesome! We were faced with transitioning from employer sponsored (COBRA) healthcare insurance to Medicare supplemental insurance and Joy helped us navigate the vendor selection and enrollment process. She made the selection process easy to understand and the enrollment process painless. We cannot say enough. Thank you."
Peter
"Our experience was awesome! We were faced with transitioning from employer sponsored (COBRA) healthcare insurance to Medicare supplemental insurance and Joy helped us navigate the vendor selection and enrollment process. She made the selection process easy to understand and the enrollment process painless. We cannot say enough. Thank you."
"I have nothing, but positive things to say about Joy! She is truly amazing! She was instrumental in a family member of mine getting the right policy for their needs. Joy made it effortless and worked around my busy/hectic schedule. She was great at communicating and helped us navigate a couple of challenges with picking the right coverage for the medical providers my family member already had. I referred other people to her because I had such a phenomenal experience!"
BERNICE
Almost 65 Benefits Advisors is a d/b/a of J King Insurance Agency, Inc., a licensed health insurance agency. We are not affiliated with, endorsed by, or acting on behalf of the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please visit Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Benefits education and guidance are provided for informational purposes and are not investment, tax, or legal advice.
© 2026 J King Insurance Agency, Inc. d/b/a Almost 65 Benefits Advisors. All Rights Reserved.