Getting close to 65 is a big milestone, and Medicare is one of the most important decisions that comes with it. The good news is you do not have to figure it out alone. With the right guidance, you can understand your options, avoid costly mistakes, and choose coverage that fits your needs.
Medicare comes with important dates, decisions, and documents. Download our free Turning 65 Checklist to help you understand what to do before your 65th birthday and prepare for your Medicare enrollment period.
Your Initial Enrollment Period begins 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. Missing this window may lead to penalties or delayed coverage.Â
If you are retiring or do not have qualified employer coverage, you may need to enroll when you become eligible. If you are still working, your next steps may depend on the insurance you already have.Â
Knowing the basics of Medicare makes everything easier. Part A provides hospital coverage, Part B provides medical coverage, Part C is Medicare Advantage, and Part D provides prescription drug coverage.
Everyone’s needs are different. You may want:
Some people prefer Original Medicare with a Supplement, while others like the simplicity of a Medicare Advantage plan. The right choice depends on your health needs, budget, and lifestyle.Â
Have these nearby when it is time to review your options:
A licensed Medicare agent can help you compare plans, review benefits, check doctor networks, and make sure you feel confident before enrolling.
Medicare comes with important dates, decisions, and documents. Download our free Turning 65 Checklist to help you understand what to do before your 65th birthday and prepare for your Medicare enrollment period.
