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Turning 65 or New to Medicare?
Starting Medicare can feel confusing, especially if it is your first time learning about it. If you are turning 65 or qualify because of a disability, it is important to know how and when to sign up.
Most people become eligible for Medicare at age 65. You have a seven-month window to enroll. It starts three months before your 65th birthday, includes your birthday month, and ends three months after. If you’re receiving Social Security benefits before turning 65, you will usually be enrolled in Medicare (Part A and Part B) automatically. If you are not receiving benefits yet, you will need to sign up on your own.
Medicare Advantage – offers hospital, doctor, and drug coverage in one plan
Medicare Supplement – helps pay some costs that Original Medicare doesn’t cover
Medicare Part D – helps with the cost of your prescription drugs
Already have other health insurance? Starting Medicare may change your coverage. That is why it is wise to get expert advice on your options. Our licensed agents can explain how Medicare works and review your choices, so you can pick the coverage that’s right for you.
Your Medicare To-do list
3 months before you turn 65
Enroll in Original Medicare (Parts A and B). Consider which added plans are best for your complete Medicare coverage
Your 65th birthday month
Sign up for the additional Medicare coverage you’ve selected. Remember, you must already be enrolled in Original Medicare (Parts A and B) before you can enroll in additional coverage.
3 months after you turn 65
Your deadline for enrolling in Original Medicare (Parts A and B) is at the end of this month. If you miss it, you may incur a late enrollment penalty. Enroll in additional Medicare coverage to pay for some of the costs that Original Medicare doesn’t cover.