01/10/2026
Four Key Tips for Turning 65 and Applying for Medicare
Learn About Enrollment Periods
You have a 7-month window called the Initial Enrollment Period (3 months before, during, and 3 months after your 65th birthday).
Enroll during this time to avoid penalties on Parts B and D.
If you have other qualifying coverage (like through your employer), you might qualify for a Special Enrollment Period when that coverage ends, giving you 8 months to sign up for Part A and B, and 2 months for other plans without penalties.
Talk to Your Employer's Benefits Administrator
Start the conversation about 6 months before retirement.
Ask when your current health insurance ends and how it works with Medicare.
Request written proof of your drug coverage ("Notice of Creditable Coverage") to avoid late enrollment penalties.
Decide on Your Medicare Coverage Type
Original Medicare (Parts A & B): Provided by the government. You can add a separate Part D plan for drugs and a Medigap plan for additional coverage.
Medicare Advantage (Part C): Offered by private insurers, these plans cover all Parts A & B, often include drug coverage, and sometimes extra benefits like vision, dental, and hearing.
