Turning 65? Your Complete Medicare Enrollment Checklist

Turning 65 is a milestone—and it comes with an important to-do list. Medicare enrollment has specific deadlines, and missing them can lead to penalties and gaps in coverage. Use this checklist to make sure you're prepared.

12 Months Before You Turn 65

• Learn the basics: Understand the difference between Part A, Part B, Part D, Medicare Advantage, and Medigap
• Review your current coverage: If you have employer insurance, find out how it coordinates with Medicare
• Talk to a licensed advisor: Get personalized guidance on what plans make sense for your situation (that's what I'm here for!)

3 Months Before Your Birthday

Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month. During this time:

• Enroll in Part A and Part B through Social Security (online at ssa.gov or in person)
• Decide on your path: Original Medicare + Medigap + Part D, or Medicare Advantage
• If choosing Medigap: Start comparing plans 6 months prior to your 65th birthday to give yourself the best options

Your Birthday Month

• Confirm your enrollment: Make sure you've received your Medicare card
• Enroll in Part D if you're going with Original Medicare

3 Months After Your Birthday

• IEP ends: This is your last chance to enroll without potential penalties
• Coverage begins: Depending on when you enrolled, coverage starts the 1st of the month you turn 65 or the following month
• Notify your employer: If transitioning from employer coverage, coordinate the switch

Common Mistakes to Avoid

• Waiting too long to enroll and facing late penalties
• Skipping Medigap Open Enrollment and losing guaranteed issue rights
• Not reviewing Part D options for your specific medications
• Assuming Medicare Advantage is automatically better because of $0 premiums

Still Have Questions?

Turning 65 doesn't have to be stressful. I walk my clients through every step of this process at no cost. Let's make sure you start Medicare on the right foot.