Turning 65? Here’s what you need to know…

Written By Emily Happel

Turning 65 is a big milestone, and if you’re like most people, you probably have questions about Medicare. The good news? You’re not alone, and it doesn’t have to be confusing.

Let’s walk through the basics so you can feel confident about your next steps.

When should you sign up?

Most people become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) is a 7-month window that includes:

  • 3 months before your birthday month

  • Your birthday month

  • 3 months after

Signing up on time is important to avoid late penalties - especially for Part B and Part D

Understanding the Parts of Medicare:

Medicare has a few different parts, and each covers something different:

  • Part A (Hospital Insurance): Covers hospital stays, skilled nursing, and some home health care.

  • Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services.

  • Part D (Prescription Drug Coverage): Helps cover the cost of medications.

You may also hear about:

  • Part C (Medicare Advantage): An alternative way to receive your Medicare benefits through private insurance.

  • Medigap (Medicare Supplement): Helps cover out-of-pocket costs Original Medicare doesn’t pay.

Do You Need To Enroll Right Away?

It depends on your situation.

You may be able to delay enrollment in Part B (and avoid penalties) if:

  • You’re still working

  • You have creditable coverage through an employer

If you’re unsure, it’s a good idea to ask questions before making a decision.

Don’t Forget About Prescription Coverage!

Even if you don’t take medications now, you may still want to consider a Part D plan when you’re first eligible. Waiting too long could result in a late enrollment penalty later.

Common Mistakes To Avoid:

  • Missing your enrollment window

  • Assuming Medicare covers everything

  • Skipping Part D because you don’t take medications

  • Choosing a plan without fully understanding your options

You Don’t Have To Figure This Out Alone

Medicare can feel overwhelming at first - but with the right guidance, it becomes much more manageable. If you have questions or just want to talk through your situation, I’m here to help!

Disclaimer: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

Emily Happel
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