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.