I'm approaching 65, how does Medicare work?
Turning 65 & Medicare
Turning 65 brings Medicare into the picture. Understanding the parts and your enrollment timing early can help you avoid potential late penalties.
What's happening
Your situation
- Your initial enrollment period is a set window around your 65th birthday
- Working past 65 can change your ideal timing
- The pieces (A, B, C, D, and supplements) work together
Your options
Paths to consider
- Original Medicare with a supplement and drug plan
- A Medicare Advantage plan
- Guidance on timing to help avoid late penalties
Helpful Checklists
Checklists for this moment
Only the checklists relevant to this event. Each one has its own page you can open, bookmark, or share.
Turning 65 Checklist
Your Initial Enrollment Period opens around your 65th birthday. Here's how to prepare.
Open checklistMedicare Annual Enrollment Checklist
Annual Enrollment (Oct 15 – Dec 7) is your window to review and change Medicare coverage.
Open checklistMedicare Advantage Checklist
Considering a Medicare Advantage (Part C) plan? Here's what to review.
Open checklistMedigap (Supplement) Checklist
Medigap plans help with Original Medicare's out-of-pocket costs. Here's what to weigh.
Open checklistPart D Prescription Drug Checklist
Part D helps cover prescriptions. Match a plan to your specific medications.
Open checklistRelated coverage
Insurance that may apply
Commonly discussed with this life event