Medicare and Turning 65

As you approach your 65th birthday, it's important to prepare for Medicare enrollment. Use this checklist to ensure a smooth transition into Medicare coverage.

3-6 Months Before You Turn 65

• Review your current health insurance coverage

• Research Medicare basics (Parts A, B, C, and D)

• Gather important documents:

  • Social Security card

  • Birth certificate

  • Proof of citizenship or legal residency

  • Tax records for the past two years

3 Months Before Your 65th Birthday

• Determine your Initial Enrollment Period (IEP)

• Contact the Social Security Administration to enroll in Medicare Parts A and B

• Consider whether you need to enroll in Part B (if still working with employer coverage)

• Explore Medicare Advantage (Part C) and Prescription Drug (Part D) plans

During Your Birthday Month

• Receive your Medicare card

• Decide if you want additional coverage:

  • Medicare Supplement (Medigap) plan

  • Medicare Advantage plan

  • Standalone Prescription Drug plan

Within 3 Months After Turning 65

• Finalize your Medicare coverage choices

• Enroll in supplemental plans if desired

• Set up online accounts:

  • Medicare.gov

  • Social Security Administration

Important Reminders

• Avoid late enrollment penalties by signing up during your IEP

• Review the Annual Notice of Change (ANOC) each year if enrolled in Medicare Advantage or Part D plans

• Mark your calendar for the Annual Enrollment Period (October 15 - December 7) for future plan changes

By following this checklist, you'll be well-prepared for your transition to Medicare coverage at age 65.