Turning 65? Get Medicare right the first time.
Enrollment windows, late penalties, and plan choices can be overwhelming. Our licensed specialists walk you through every step — at no cost.
- 1
3 months before 65th birthday
Initial Enrollment Period (IEP) opens — sign up for Part A & B without penalty.
- 2
Month of 65th birthday
Coverage can begin the first day of your birth month if you enroll early.
- 3
3 months after 65th birthday
IEP closes. Missing it may trigger late-enrollment penalties for life.
- 4
Annually Oct 15 – Dec 7
Annual Enrollment — switch Medicare Advantage or Part D plans for the next year.
4 Common Mistakes That Cost Retirees Thousands
A 15-minute review with a licensed specialist helps you avoid every one.
Assuming employer coverage replaces Medicare
Many group plans become secondary at 65 — you may need Part B to avoid uncovered claims.
Missing the Part B enrollment window
A 10% lifetime penalty applies for each 12 months you delay without creditable coverage.
Picking a plan based on premium alone
Low premium ≠ low cost. Doctor network, drug formulary and MOOP often matter more.
Skipping the annual review
Formularies and networks change every year. A 10-minute review can save thousands.
Your Free Turning 65 Medicare Guide
A clear 24-page PDF covering enrollment windows, plan types, costs, and how to avoid late penalties. Plus a free consultation with a licensed specialist.
- Medicare A, B, C, D explained simply
- Enrollment deadline calculator for your birth month
- Side-by-side plan comparison worksheet
- How to keep your doctors in-network
Official Medicare & Social Security Resources
Use these official government resources to verify enrollment dates, eligibility, and Medicare planning details as you turn 65.
Medicare.gov
Official U.S. government Medicare website providing information on coverage, enrollment, costs, plans, and benefits.
Visit Medicare.govSocial Security Administration
Official SSA website for Medicare eligibility, enrollment, retirement benefits, and Social Security information.
Visit SSA.govMedicare & You Handbook
Official Medicare handbook covering benefits, enrollment, coverage options, costs, and Medicare planning information.
Download Medicare & You HandbookFeeding The Needy
Community assistance organization providing support and resources for individuals and families in need.
Visit Feeding The Needy