Checklists
Medicare Turning 65 Checklist
A step-by-step checklist for enrolling in Medicare around your 65th birthday, the deadlines, decisions, and how to avoid late-enrollment penalties.
What it is
A checklist that maps out your Initial Enrollment Period and the key choices, Parts A and B, plus how to cover the rest with Medicare Advantage or a Supplement and Part D.
Who it helps
People approaching 65, and family members helping a parent navigate Medicare for the first time.
When to use it
Begin about three months before your 65th birthday, your Initial Enrollment Period runs from three months before to three months after your birthday month.
Resource Center
What you'll learn
- What your Initial Enrollment Period is and why timing matters
- The difference between Original Medicare, Advantage, and Supplement plans
- How prescription (Part D) coverage fits in
- How to avoid lifelong late-enrollment penalties
Questions
Frequently asked
When should I sign up for Medicare?
Your Initial Enrollment Period is the seven-month window around your 65th birthday. If you're not covered by qualifying employer insurance, enrolling on time avoids penalties and gaps.
Do I need Part B if I'm still working?
If you have qualifying coverage through a current employer, you may be able to delay Part B without penalty. The rules depend on employer size, so it's worth confirming before you decide.
Ready when you are
Want this resource or a hand walking through it?
We'll send it over and answer any questions, always education-first, never a sales pitch.