What happens as you approach 65?
Your first Medicare window is usually 7 months.
It generally includes the 3 months before your birthday month, your birthday month, and the 3 months after. If your birthday is on the first day of a month, the timing shifts one month earlier.
You may need to sign yourself up.
If you are not already receiving Social Security or Railroad Retirement benefits, Medicare enrollment may not happen automatically. We can figure out what applies to you before your birthday.
Still working? Don’t make assumptions.
Coverage from your job or your spouse’s current job can affect whether you should enroll in Part B right away. Let’s review the employer coverage before you make a change.
Missing the right window can cost you.
If you delay enrollment without qualifying coverage, you may face delayed coverage or a late-enrollment penalty. It is much easier to check the dates before the deadline passes.
Turning 65, in order
Find your enrollment window.
Use the birthday tool above as a starting point.
Determine whether you need to enroll in Parts A and B.
Current employment coverage and Social Security status can change the answer.
Make a list of your doctors and prescriptions.
Those details matter when we compare coverage choices.
Compare your Medicare options.
We can look at Medicare Advantage versus Original Medicare with a Medicare Supplement and Part D.
Enroll at the right time.
The goal is to have your coverage ready when you need it and avoid preventable gaps or penalties.