Turning 65 Soon?
What You Need to Know About Medicare
Explain Medicare eligibility and enrollment timing before your 65th birthday.
Do You Need to Enroll in Medicare at 65?
- You will usually enroll in:
- Medicare Part A
- Medicare Part B
- Medicare Part D or Medicare Advantage
Enrollment happens during your Initial Enrollment Period (IEP).
Medicare Enrollment Timeline
This is the 7-month window when most people first enroll in Medicare.
Retiring or Not Working
- You will usually enroll in:
- Medicare Part A
- Medicare Part B
- Medicare Part D or Medicare Advantage
Enrollment happens during your Initial Enrollment Period.
Still Working With Employer Coverage
- You may be able to delay:
- Medicare Part B
- Medicare Part D
This depends on whether your employer coverage is considered creditable coverage.
Covered by a Spouse’s Employer Plan
- You may be able to delay Medicare if the employer coverage qualifies.
Rules vary depending on employer size and plan structure.
Medicare Enrollment Timeline
If you delay enrollment without qualifying coverage, you may face:
Original Medicare vs Medicare Advantage
Understand the difference between the two coverage structures.
Prescription Drug
Coverage
Determine whether you need a Part D prescription drug plan.
Original Medicare
Coverage
Some people choose Medigap policies to help with out-of-pocket costs.
Common Medicare Enrollment Mistakes
Turning 65 often requires several decisions.
Original Medicare vs Medicare Advantage
3-5 minute explanation
Do I Need Medicare If I Still Have Employer Insurance?
3-5 minute explanation
What Happens If I Delay Part B?
3-5 minute explanation
Original Medicare vs Medicare Advantage
3-5 minute explanation