I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?

Question

Larry Dalton · Accepted Answer

First, file for Medicare Part A and Part B if you’re no longer on a company group insurance plan and continue to work past 65. If you are not on a group plan past 65 that Medicare recognizes, you must file for Medicare Part D if you don’t go with the Medicare Part C Advantage plan with built-in Medicare Part D drugs. Confusing? Contact an agent, and they should be able to explain these in detail.

Answered by Larry Dalton on March 29, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Melonie Wood · Answer

First check with Social Security and make sure you are issued your red, white & blue Medicare Card. This is original Medicare. Next you will need to sign up for a Prescription Drug Plan OR Medicare Advantage Plan. IF you do not sign up for a Prescription Drug Plan, know as PDP OR a Medicare Advantage Plan, known as MAPD, you will incur a late enrollment penalty that you will pay for the reminder of your life

Answered by Melonie Wood on April 2, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

Go to ssa.gov, log in or register (then log in), click apply for benefits and apply for Medicare Parts A and B. When you get your Medicare card in the mail, contact your friendly independent, Medicare agent who can help you pick a suitable Medicare plan, either a supplement (Medigap) plus a Part D plan or Medicare Advantage (Part C) plan with embedded Part D benefits.

Answered by Clarence "Mark" Christiansen on March 30, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Nikki Rowland · Answer

First, Confirm Your Enrollment Status. 
If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Medicare Part A & Part B—your Medicare card should arrive about 3 months before your birthday. If you are not taking SS, you will have to call and let them know you would like to take your part B.

If you are still working and have credible insurance coverage through your employer you may opt out of Medicare for now. 

I would sit down and cover all option available to you to ensure you make the right choice for YOU.
Again, its not a one size fits all.

James Carlson · Answer

Contact Medicare and enroll in parts B so you can receive a new Medicare card.
Once you have your card we can discuss options that will meet your needs.  Thank you for contacting me.

Diane Andree · Answer

If you are not already collecting Social Security, you will need to enroll in Medicare. The first thing to do is enroll in Part A and Part B. You can do this onine, at our local SS office or you can make a phone appointment.

Answered by Diane Andree on March 29, 2025

Agent Licensed in NY

Answered by Diane Andree Medicare Insurance Agent

Tom Rogala · Answer

To get started, fill out my pre-meeting Medicare survey.  
Next, book a meeting on my website for help applying for medicare 80%, 
picking a plan 20%, and reviewing your plan every annual enrollment period.

Ben Washington · Answer

If you are turning 65 next month; You should go to SSA.gov website, learn and sign up for part A and enroll in Part B or go to your Social Security office. if you getting Social Security you should by automatically enrolled in Medicare part A/B unless you opt-out of part B.

Answered by Ben Washington on March 25, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Ray McCauley · Answer

call social security and get your part B in place and send me a list of your drs and rx  and let’s schedule an appointment to review all your options

Michael Andrews · Answer

First find out if enrolling into Medicare is the best thing to do. If you have a younger spouse or child on your insurance or if you plan to keep working, you may not want to enroll into Medicare yet. If you need to enroll into Medicare, you can through ssa.gov or call your local social security office to make an appointment.

Answered by Michael Andrews on April 2, 2025

Broker Licensed in CT

Answered by Michael Andrews Medicare Insurance Agent

Bill Filer · Answer

When you are turning 65 and considering your Medicare options, the best place to start is to determine and confirm your eligibility. From there, I would start learning about the various pieces of Medicare, the alphabet soup of A, B, C, D and so on. At that point, you can then start making some decisions about how best to set up your Medicare. You can enroll yourself, or you may want to consult with a licensed and certified Medicare agent who can help you all along the way. Best of luck to you and happy early birthday!

Answered by Bill Filer on March 26, 2025

Agent Licensed in MO, GA, KS & TN

Answered by Bill Filer Medicare Insurance Agent

Kelsey Hentzen · Answer

This answer depends on if you plan to continue to work. If you are working, I would consider doing a side by side comparison of your group insurance and Medicare. If you are retired or no longer working, the first step would be to apply for Medicare A and B. Then find a local unbiased broker who can shop all the plans in your area and offer a comparison between a supplement and an advantage plan.

Answered by Kelsey Hentzen on March 28, 2025

Broker Licensed in KS & MO

Answered by Kelsey Hentzen Medicare Insurance Agent

Pamela Camey · Answer

Your first Steps towards Medicare Enrollment should be to contact Social Security Administration to enroll in Part A Hospital and Part B Medical Insurance Coverage during your initial Enrollment Period, which begins 3 months before your birthday, month of your birthday, and three Months after your birthday.   It's important to work with a licensed broker like myself, who will take the time to teach you about Medicare, how it works and your coverage options.

You may sign up for Medicare online or by calling Social Security Administration or by setting an   appointment with your local Social Security Office.

Patrick Bullock · Answer

If you're working, you'll want to compare the health coverage you have through your employer to what may be available to you through Medicare. If you are not working, you'll want to call social security and make sure your part B will be in effect. Next, you'll want to talk to a Medicare broker, such as myself, who will give you an unbiased opinion of the best insurance fit for your particular situation.

Answered by Patrick Bullock on March 27, 2025

Broker Licensed in PA, DE, FL, NJ & VA

Answered by Patrick Bullock Medicare Insurance Agent

Marie Terhune · Answer

The first thing you should do is apply for Original Medicare (part A & B) so that you receive your Medicare #.  You can actually do this 3 months before your 65th birthday.  (but your Medicare will not be effective until the first of your birth month)

As you are waiting for your Medicare #, please reach out to me so I can guide you regarding the additional coverage you will need.  Original Medicare does not include prescription drug coverage or complete medical coverage, and there are different ways to obtain that.  I will meet with you and work with you to understand your needs and guide you towards the policy that best meets those needs.  

There is no cost for my services, and I am happy to help.

Joshua Cooper · Answer

Turning 65 next month I would stop what I am doing and go apply for Medicare Part A and B on SSA.gov.  This online application process is very simple and streamlined and can be done from your home. Once you apply they will give you a confirmation code and you can track the processing. 
Once you get approved for Medicare you will receive a letter in the mail as well as your Red, White and Blue card. Keep this card in a secure place and contact me to help you understand your options whether a Medicare supplement or a Medicare advantage plan is the right fit for you.

Laura Shipman · Answer

The first steps to take is to assess should you enroll in Medicare A and B. Having an experienced agent can help you navigate and assess what steps you need to take. Here are some questions to consider. Are you enrolled in an employer plan currently? Do you plan to continue to work after 65 and to keep your employer plan? Can you stay on your spouses employer plan? Do you have an individual health insurance plan? Answering these questions will help assess whether you need to enroll in Medicare A and B at this time.

Answered by Laura Shipman on March 26, 2025

Agent Licensed in KS

Answered by Laura Shipman Medicare Insurance Agent

Jeff Christiansen · Answer

First, do you actually need to activate your Medicare at age 65? If you are continuing to work and receive full benefits from your employer, then you don't need to activate Part B of Medicare (which usually has a monthly premium) until you retire or go part-time and lose your company insurance benefits. You won't be penalized for waiting in this situation.

Otherwise, if you are needing Medicare insurance benefits when you turn 65 there are a couple of things to do: Start 3 months in advance of the month you're going to need benefits to ensure that you're going to have both Part A and Part B of Medicare in place.  It usually takes Social Security (SS) about 6 weeks to get your Medicare card set up and to you in time to enroll in some kind of supplementary plan. 

If you are already receiving your SS benefits, then SS will automatically send you your red, white and blue Medicare card a couple of months before you turn 65. If you don't receive that card from them by 2 months in advance of the month of turning 65 call SS to get your card. You'll need your Medicare card that shows your Medicare #, your Part A (Hospital) and Part B (Medical) effective dates in order to enroll in some kind of supplementary insurance plan.

Remember, your Medicare card that shows Part A and Part B does not cover the required Part D (Prescription Drug Coverage). You'll need to get that coverage set up with an independent agent (like me) so that it goes into effect the same time as your Part A and Part B coverage.

You'll be able to choose from a Medicare Supplement (also referred to as a "Medigap" plan) and a Part D prescription drug plan, or a Medicare Advantage plan (Part C of Medicare) to help cover your medical costs that are not covered by Original Medicare (Part A & B).

Lots of choices. Lots to do. You can contact me at 801-550-1800 to answer questions that will help you go through this process properly.

Jay Carlton · Answer

Great question! If you are still working and have credible insurance coverage (employer coverage), you will be able to defer Part B and have Part A coverage. Call to talk with social security, or call your local insurance agent for help. If you are retired and taking ssi you will receive medicare in the mail automatically or should have received it. You also can log in to ssa.gov website and fill out the information to sign up for Medicare Part A and Part B.

Answered by Jay Carlton on April 14, 2025

Agent Licensed in UT

Answered by Jay Carlton Medicare Insurance Agent

Angela Ellington · Answer

I would say the first step is to speak with a knowledgeable broker. Enrolling in Medicare depends on where you are currently receiving your Health Benefits, if you're able to keep them, and if you want to keep them and postpone your Medicare enrollment. If you have an employer sponsored plan, you may be able to keep it until you retire or lose your coverage for any reason. There may be good reasons to keep it based on many factors. There are also good reasons to switch over to Medicare. If you have Marketplace Coverage, you will have to enroll in Medicare if you are entitled to Premium Free Part A. If you are not collecting Social Security Retirement or Disability Benefits, you will need to enroll in Medicare Part A & Part B through SSA.gov as your first step. This step should actually be completed 3 months prior to turning 65 to ensure that you receive your Medicare Card in a timely manner to make your plan selections. If you're turning 65 and already have your Medicare card, I recommend spending some time with a broker who will give you a full education on all of your options and can explain the difference between Medicare Advantage & Medicare Supplements.

Answered by Angela Ellington on March 26, 2025

Agent Licensed in CA, AZ, FL & 9 other states

Answered by Angela Ellington Medicare Insurance Agent

Melissa Barton · Answer

First, talk with a local agent. An agent can explain how your employer insurance and Medicare work in your best interest. If you would like to talk with me about your options, I will explain how all the moving parts of Medicare work. You can reach Melissa Barton at 472-242-8537. I hope this helps, and have an amazing day.

Answered by Melissa Barton on March 28, 2025

Agent Licensed in NC, IL, IN & 7 other states

Answered by Melissa Barton Medicare Insurance Agent

Terrie Boteler · Answer

It depends on whether you are still working past 65, and whether your employer offers Credible coverage for insurance.
Are you taking your Social Security benefits? 
I am happy to help answer any questions you have about turning 65 and what your first steps should be regarding Medicare Enrollment. Education on Medicare is available at no cost to you.

Mel Brickman · Answer

For the newly eligible Medicare recipient, speaking with a knowledgeable agent is the 1st step one should take. Examine your current situation and future goals Discuss subjects such as current coverage, whether an HSA exists and ongoing needs and future plans . These are the drivers of what decision path is most suitable.

Answered by Mel Brickman on April 7, 2025

Agent Licensed in CT

Answered by Mel Brickman Medicare Insurance Agent

John Swain · Answer

Great question! Turning 65 is a big deal, and making the right moves with Medicare can save you money and make sure you have the coverage you need. Here’s what you should do:
Step 1: Figure Out If You Need to Sign Up
•	If you’re already getting Social Security benefits, you’ll be automatically enrolled in Medicare Part A (hospital coverage) and Part B (medical coverage). Your Medicare card should show up in the mail about three months before your birthday.
•	If you aren’t getting Social Security yet, you’ll need to sign up yourself through the Social Security Administration at www.ssa.gov or by calling 1-800-772-1213.
Step 2: Decide If You Need Part B Right Away
•	If you’re still working and have health insurance through your job (or your spouse’s job), you might be able to delay Part B without penalties.
•	If you don’t have employer coverage, you should go ahead and sign up for Part B to avoid late fees.
Step 3: Look at Additional Coverage Options
Original Medicare (Parts A & B) covers hospital and doctor visits, but it doesn’t cover prescriptions, dental, vision, or hearing. You’ll need to decide between these two options for extra coverage:
1.	Medicare Supplement (Medigap) + Part D (Drug Plan) – Medigap helps cover out-of-pocket costs like copays and deductibles, and Part D covers prescriptions.
2.	Medicare Advantage (Part C) – A private insurance plan that bundles Parts A, B, and often includes drug coverage, dental, vision, and more.
Step 4: Compare Plans & Costs
•	Medicare plans and prices vary depending on where you live. You can check options at www.medicare.gov.
•	Or, if you want personalized help, a licensed Medicare agent (like me!) can go over your options at no cost to you.
Step 5: Enroll on Time!
Your Initial Enrollment Period (IEP) is 7 months long:
✅ 3 months before your 65th birthday
✅ Your birthday month
✅ 3 months after your birthday
If you miss your deadline and don’t qualify for a special enrollment period, you might have to pay lifelong penalti

Steve Korts · Answer

The 1st step, if you're not already taking Social Security is to sign up for Part B of Medicare. If you're receiving Social Security then you will be signed up for Part B automatically. This is assuming you will not be working and will be going onto Medicare as soon as you're eligible. If you're still working and your employer coverage meets the criteria, you can continue with that coverage as long as you like.

Answered by Steve Korts on March 27, 2025

Broker Licensed in CA, AR, AZ, OR & TX

Answered by Steve Korts Medicare Insurance Agent

Joseph Barrows · Answer

Make sure you have applied for Medicare Parts A+B, go to SSA.GOV to complete the online enrollment process. (If you get Social Security retirement benefits your Medicare card should come in the mail automatically.) Once you receive your Medicare card, use a local insurance agent to see what options you have available in your county for prescription drug coverage and if a Medicare Supplement plan or a Medicare Advantage plan makes sense for you to help with the costs of the Original Medicare deductibles and coinsurance.

Answered by Joseph Barrows on March 27, 2025

Broker Licensed in CO, AR, AZ & 21 other states

Answered by Joseph Barrows Medicare Insurance Agent

Tony Farmer · Answer

Make certain that you have applied for both Medicare Parts A and B and have your Medicare Card or Medicare number (MBI) and start date of parts A and B. When you have this information contact a local Medicare Health Plans Agent who can answer your questions and assist you in picking the best plan for you.

Answered by Tony Farmer on March 26, 2025

Agent Licensed in FL

Answered by Tony Farmer Medicare Insurance Agent

B. Gene Stair · Answer

From A to Z, remember this is not a process you are familiar with.  It's both simple and complicated. Simple when you understand what you need to know and complicated to try to learn everything on your own.  

I help people understand what they need to know and streamline the process to fit your needs with simple explanations. 

Also, there's no out of pocket cost for you to use the services of a broker (guide).  Plan premium or plan costs are always the same, as set by law. 

Next, understand this is a process and there is a direct process and "wandering through the desert" type process.  Let's choose the Direct Process.  That is what I can help with.  

When you work with me, I personally assist through the entire process, A-Z.  Just relax and follow the process. As a broker (guide) I work with many carriers/plans and you get to choose the coverage you want. 

As we go through the process, you will understand the origins and fundamentals of Medicare starting from it's beginning in July, 1965 through the present.  You will understand the benefits of Original Medicare, the changes or "Modernization" of Medicare, what it is, how it works, why it's an option, the pro and cons; and afterwards, you should be confident in your choices and even comfortable using your new entitlement benefits.  I also assist in all applications to get your Id cards ready to go for your first day on Medicare; simple, no nonsense, A to Z. 

Contact me now.

Leslie Helene Sussman · Answer

First steps are truly understanding your Plan Options. (Medicare Supplement plus RX plan VS Medicare Advantage). Selecting a broker that has access to multiple plan choices and conducts a Needs Assessment is critical. I have a video for basic Medicare 101 that gives a simple overview of how Medicare will work for you and your 2 choices. If you do not see this video in my profile, please contact me and I will forward to you.

Answered by Leslie Helene Sussman on March 31, 2025

Broker Licensed in NJ, DE, FL & PA

Answered by Leslie Helene Sussman Medicare Insurance Agent

Timothy Brown · Answer

Ensure that you have been issued a Medicare ID number prior to enrollment. If you are collecting Social Security payments, the card should have been mailed at least 3 months prior to you 65th birthday. If not, you'll need to sign up for Medicare via ssa.gov.

Answered by Timothy Brown on March 27, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Steve Houchens · Answer

You should have enrolled in Part A & Part B Medicare and set a time with a licensed agent to discuss your options and what plans are best suited for you needs.

Sean Davis · Answer

As you turn 65, you’ll want to enroll in Medicare during your Initial Enrollment Period, which starts three months before your birthday month. Consider whether you want Original Medicare (Part A and Part B) or a Medicare Advantage plan. It’s also a good idea to review any existing health coverage to see how it fits with Medicare options.

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

DeeDee Whitlock · Answer

Find a Senior Market Specialist that is recommended by friends, local senior center or even your Doctor, to get the most up to date information

Michael Yost · Answer

I would find and work with an independent solid broker that can help go through and explain your options. You need someone to help you review your situation, possibly compare your current health insurance to the Medicare options, and help figure out what your best option is. If you are definitely going to enroll in a Medicare plan, your first step is to enroll in Medicare Parts A + B.

Answered by Michael Yost on April 2, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Aaron Solomon · Answer

IF you decide to start your Social Security benefits. You will want to sign up for Part A (hospital)
and Medicare Insurance (Part B}.  You can sign up3 months before your birthday or 3 months after her birthday,

Cleo Martin · Answer

I would apply for my medicare card. Then i would learn the difference between regular medicare and a medicare advantage.  Then you cn decide which is better for your situation.

Ami Fouts · Answer

If you're looking to retire, you would need to set up your Medicare Part A and B through Medicare.gov. You have three months before your birthday, the month of, and three months after your birthday to enroll before being penalized through the government. I personally suggest enrolling before your birthday, so the transition from insurances is smooth and there are no laps in your insurance, from either the workplace group insurance or through marketplace. Once you're established with your Medicare that's when we can discuss what medical plan would fit best for your needs. If you have marketplace insurance, you will need to take your Medicare as you're not eligible to stay on the Marketplace insurance once you're eligible for Medicare. However, if you are not retiring, you're able to continue with your group insurance through your employment as through the government this is considered "Creditable coverage insurance" and there will be no penalty for not enrolling into Medicare.

Answered by Ami Fouts on March 27, 2025

Broker Licensed in NH & ME

Answered by Ami Fouts Medicare Insurance Agent

Brenda Trejos · Answer

The first step is to find a reputable Agent/Broker that can help you b/c of their experience and at no cost to you. They should make this confusing Medicare maze easier to understand and walk you through the steps. 
Secondly, you need to apply for Medicare Parts A&B immediately as it is recommended to do so at least 3 months before your 65th Bday start date.  With only 1 month of time, I highly recommend signing up online through the www.SSA.gov website and look for "Apply for Medicare" to fill out the application.  You can hopefully have your Medicare # online within 3-4 weeks and continue the process with your Agent's help to complete your coverage with supplemental coverages that fit your individual needs.

Doris Youngman · Answer

If you have not already applied for Medicare, do it right away. It takes about 30 days to obtain your Medicare card from Social Security.

You can go in person to your local Social Security office to apply, call Social Security at 1-800-772-1213, or thirdly, go on to the SSA.GOV website and apply online.

Harold Randolph · Answer

First, you should have a broker that can answer your questions and lead you to the right coverage for you. 
If you are retiring and collecting Social Security you will need to start your part A and Part B. Once you have these, which is considered Original Medicare, you can start to choose between Part C (Medicare Advantage), or a Medigap. ‘

Cody Brown · Answer

If you are not drawing social security and automatically enrolled in Medicare, you will need to enroll in part A and part B. You can apply online at SSA.gov

Isaac Lind · Answer

Great question!

First, you will want to determine if going onto Medicare is your only option. There are ways that you can "waive" the lifetime penalty for waiting. If that is the case, then you would want to compare the price of your current plan VS. Medicare. Also, you would then compare the coverages.

If you are already drawing Social Security, you will be automatically signed up for Medicare. If you are NOT yet drawing Social Security, we will need to manually apply for Parts A and B. I can help you with this if needed. Please feel free to give me a call for help. Thank you!  -Isaac

Pete Alberti · Answer

It's great you're planning ahead for your Medicare enrollment! Turning 65 is a significant milestone, and understanding the Medicare process is crucial. Here's a breakdown of the first steps you should take:
1. Understand Your Initial Enrollment Period:
* Enrollment begins three months before the month you turn 65, includes the month you turn 65, and ends three months after that month. This 7-month window is your primary opportunity to enroll in Medicare.
* Missing this window can lead to late enrollment penalties.
2. Determine if You'll Be Automatically Enrolled:
* If you're already receiving Social Security benefits, you'll likely be automatically enrolled in Medicare Part A and Part B.
* If you're not receiving Social Security, you'll need to enroll manually.
3. Learn About Medicare Parts:
* Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
* Part B (Medical Insurance): Covers doctors' services, outpatient care, and preventive services.
* Part C (Medicare Advantage): Private health plans that offer Medicare benefits.
* Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs.
4. Decide Which Coverage You Need:
* Consider your current health status and anticipated healthcare needs.
* Evaluate whether Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) is right for you.
* If you choose original medicare, you will likely need to enroll in a part D plan for prescription drug coverage.
5. * Employer Coverage: If you're still working and have employer-sponsored health insurance, you may be able to delay enrolling in Part B. However, it's essential to understand how this might.

Contact us at 859-309-5033 for help with your Medicare planning

Gary Liesemeyer · Answer

Everyone's situation can be different.  I would encourage you to sit down with a professional that can help guide you thru the process.
I have enjoyed helping my clients with this for the past 28 years.

Kirk Harper · Answer

Contact a local agent to assist you in facilitating your Medicare enrollment through the Social Security Administration website as soon as possible.

Lavina Woart · Answer

Congratulations on reaching a pivotal milestone. If you have not yet done so now is the time to activate your social security account at SSA.GOV. Setting up your account will help you track your benefits, estimate your future Social Security income and manage your Medicare enrollment. This is your Initial Enrollment Period (IEP) and you generally have seven months to enroll in Medicare, 3 months before your birthday, your birthday and 3 months after your birthday. It's important to enroll during this period to avoid possible penalties and gaps in coverage. If you have any questions or need guidance on choosing a Medicare plan that fits your needs, I'd be happy to help!

Answered by Lavina Woart on March 26, 2025

Agent Licensed in NY, DE, IA, NJ & PA

Answered by Lavina Woart Medicare Insurance Agent

Charles Willis · Answer

First thing to do is decide if you’re going to continue working and keep your work related health insurance. The answer to this question will help determine if you should activate your Medicare or delay doing so. Continuing a group plan at work may be a better option. If you’re not going to continue working, then you should sign up for Medicare if you don’t have any other form of creditable coverage. Everyone’s situation is different and you want to make sure you are doing what is best for you.

Answered by Charles Willis on March 27, 2025

Agent Licensed in IN

Answered by Charles Willis Medicare Insurance Agent

Dawn Levis · Answer

Great question!
First thing let's get your Medicare card set up because right now it's take 2-3 weeks..
Here are a few ways:

Enroll in Medicare:
Online: Go to SSA.gov (Social Security Administration website) and apply—it’s the easiest way.
Phone: Call 1-800-772-1213 (TTY: 1-800-325-0778), Monday-Friday, 8 AM-7 PM.

In-Person: Visit a local Social Security office (appointments recommended).
You’ll need your birth certificate, Social Security number, and proof of residency handy.


Then, Let's set an appointment.
Id like to get some info to have plan ideas set up for you, so once you have that Medicare card, we can get you enrolled and have you ready for the 1st or the Month!

By the way, This is a free service.
I just want to help make sure we find the best plan to fit your needs!

Barbara Barnes, CMIP® · Answer

You are already running a bit behind.  You may start the Medicare enrollment process as soon as 90-days prior to your eligibility.  Medicare benefits may begin on the first day of the month that you turn 65 (yes - even before your 65th birthday).  Medicare is not simple - there are many things that you need to think about before you head to the Social Security office or website to sign-up:

1.  Do you need Medicare right away?  If you have coverage through an employer, you might not need or even want to sign-up for Medicare right away when you turn 65.  You might be able to wait until you retire.

2.  Do you contribute to an HSA?  If you do and you want to continue contributing to the HSA, you cannot have Medicare.

3.  Do you work for a small employer?  If your employer has fewer than 20 employees, you might need to sign up for Medicare right away, even if you plan to continue working, because for small employers, Medicare is Primary and the group health plan is Secondary.

4.  If you work for a large employer with more than 20 employees, you may still want to consider which benefit is better for you - Medicare or your group health plan.

5.  No matter how big your employer is, you may want to compare the benefits and premiums of Medicare vs your group health plan.  It is possible that Medicare will offer beter benefits with less premium than your payroll contribution.

6.  Consider your dependents.  If your spouse is covered under your insurance plan at work and they are younger than you, you might want to keep your group plan so that they can keep their coverage.

There are many things to consider before signing-up for Medicare.  This is why it's important to work with a Medicare Insurance Agent that you trust who will point you in the right direction.  I prefer to meet with my clients when they are 64 1/2 to review all of these important details and formulate a basic plan long before they turn 65.

Sean MacBean · Answer

Everyone has different needs. Let's set up a no-cost consultation to determine what is right for you.

Carmen Zorrilla · Answer

As you approach your 65th birthday, it's essential to take the first steps towards Medicare enrollment. Here's what you should do:


First, check if you'll be automatically enrolled in Medicare. If you're already receiving Social Security benefits, you'll likely be enrolled in Medicare Part A and Part B.


If you're not automatically enrolled, you'll need to sign up during your Initial Enrollment Period (IEP). This period starts three months before your 65th birthday and ends three months after.


You can enroll online through the Social Security Administration website, visit your local Social Security office, or call them directly.


It's also important to consider your current health coverage. If you're still working and have a group health plan, you might be able to delay Medicare enrollment without penalties.


Once you've enrolled, you can explore additional coverage options, such as Medicare Part D for prescription drugs, Medicare Advantage plans, or Medicare Supplement Insurance.


Remember, navigating Medicare enrollment can be complex. If you need personalized guidance, don't hesitate to reach out.


Call me directly at 407-244-6951 for a personalized consultation. I'll help you navigate the Medicare enrollment process and ensure you make informed decisions about your healthcare coverage.

Donna Slater · Answer

Call a licensed agent and convey your immediate needs about healthcare. Find someone who will listen, ask questions, and walk you through the process from start to finish!

Tyler Henderson · Answer

You're in your initial enrollment period, which starts 3 months before your birthday month and ends 3 months after, so now's the perfect time to act. If you're getting Social Security, Parts A and B will come automatically; if not, go to SSA.gov or call 1-800-772-1213 to sign up. If you're still working or have other coverage, the plan can be tweaked. Also reach out to someone like myself to begin enrolling in a Medicare Advantage plan.

Answered by Tyler Henderson on March 27, 2025

Agent Licensed in FL

Answered by Tyler Henderson Medicare Insurance Agent

Christopher Villarreal · Answer

First, sign up for Medicare through Social Security, especially if you're not already receiving benefits—your Initial Enrollment Period begins three months before your 65th birthday and lasts seven months. Next, review and compare Medicare Advantage and Supplement plans to choose the coverage that best fits your health and financial needs.

Answered by Christopher Villarreal on March 27, 2025

Broker Licensed in TX

Answered by Christopher Villarreal Medicare Insurance Agent

Cory St. Etienne · Answer

First find a licensed Health insurance broker and fill out a Scope of Appointment form so that the licensed broker can answer all your medicare questions and give you free no obligation consultation regarding your health insurance needs and help you through the enrollment process if you wish to proceed.

Answered by Cory St. Etienne on March 26, 2025

Broker Licensed in FL, KY, LA & 5 other states

Answered by Cory St. Etienne Medicare Insurance Agent

Toni Johnson · Answer

Your question is a good one. If you have not yet applied for Medicare parts A and B, the first thing you should do, as soon as possible, is go to www. ssa.gov on your computer and set up a personal account. Second on your list should be to sign up for Medicare A and B, once you are on the site you will see 3 boxes with choices in each box. Go to the middle box and click on 'sign up for Medicare'. Once you have applied, contact an independent agent such as myself, set up an appointment and get a full Medicare Education. You will find out the choices you have. There is not a 'One for all' choice. Thank you for contacting Medicare Agents Hub. I look forward to being able to assist you. You may go to www.medicare.gov for all your questions.

Answered by Toni Johnson on April 1, 2025

Agent Licensed in FL, IN, MO & 5 other states

Answered by Toni Johnson Medicare Insurance Agent

Michele Wagoner · Answer

If you are turning 65, make sure you call Social Security at 800 772 1213 and request your red, white and blue Medicare card. This card is needed to get your enrollment. Next, please feel free to contact ME! I will guide you through the entire process, so it will make it seamless, and I will explain and answer any and all questions for you!

Answered by Michele Wagoner on March 28, 2025

Agent Licensed in FL

Answered by Michele Wagoner Medicare Insurance Agent

I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?

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I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website