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

Question

Bret Swope · Accepted 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.

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.

Janix Barbosa-LLanos · Answer

Answer from Janix Barbosa-Llanos, MBA, PMP, CEP, RSSA, FSN
(Licensed Insurance Agent — For Educational Purposes Only)

First of all, happy early birthday! Birthdays are always a celebration of life and accomplishments.

Now, regarding your Medicare enrollment, the answer depends on your situation:

1.	Enroll in Medicare:

You can apply online by visiting www.ssa.gov. If you’d like help, I’ll gladly assist you at no cost to you.

2.	Review your current health coverage:

Do you currently have health insurance? Is it affordable? Take a close look at your plan’s deductible, copays, coinsurance, and maximum out-of-pocket costs, as well as how often you use your benefits.
o	If your coverage still meets your needs, you can usually keep it —but you should at least enroll in Medicare Part A.
o	If your employer has 20 or more employees, that insurance remains primary, and Medicare is secondary.
o	If your employer has fewer than 20 employees, Medicare becomes primary, and you need to enroll in both Part A and Part B to avoid gaps in coverage.

3.	Compare plan options:

If you decide to move from employer coverage to Medicare, it’s important to choose a plan that fits your personal health needs and budget. A licensed agent can help you complete a needs analysis and explain the differences between Medicare Advantage, Supplement, and prescription drug plans.

I hope this helps answer your question! If you’d like more personalized guidance, don’t hesitate to contact me. I’ll be happy to help you navigate your options with clarity and confidence.

Disclaimer: 
Medicare / CMS Disclosure
For educational purposes only. Not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Leslie Kaz · Answer

1.  Figure Out if You Need to Enroll Now
Already getting Social Security or Railroad Retirement benefits?
→ You’ll be automatically enrolled in Parts A & B, and your Medicare card will arrive about 3 months before your 65th birthday.

Not getting Social Security yet?
→ You’ll need to actively sign up — Medicare does not enroll you automatically.

2.  Know Your Initial Enrollment Period (IEP)
It’s a 7-month window:

Starts 3 months before your birthday month

Includes your birthday month

Ends 3 months after

Enrolling early means your coverage starts on the 1st of your birthday month.

3.  Decide on Your Coverage Path
You have two main routes:

Original Medicare (Parts A & B)

Optionally add Part D for prescriptions and/or a Medigap (Supplement) for cost protection.

Medicare Advantage (Part C)

Combines Parts A, B, and usually D, plus extras (dental, vision, hearing).

4. Check Employer or Union Coverage
If you or your spouse are still working and have credible employer coverage, you may be able to delay Part B (and avoid the premium) without penalty.

Get written proof of creditable coverage for both medical and prescription drugs before delaying.

5. Sign Up
Go to SSA.gov/Medicare to enroll online (fastest).

Or call Social Security, or visit a local SSA office.

If choosing Medicare Advantage or Part D, shop plans at Medicare.gov/plan-compare.

6. Review Deadlines & Penalties
Late enrollment in Part B or D (without creditable coverage) = lifetime penalty added to your premium.

Missing your IEP means waiting until the next General Enrollment Period (Jan 1–Mar 31) for coverage to start in July.

David Silver · Answer

Enrollment Period (IEP), which is a 7-month window that includes:

3 months before your 65th birthday month

Your birthday month

3 months after

Here are the first steps you should take:

1. Determine if you need to enroll now
If you're already receiving Social Security benefits, you’ll be automatically enrolled in Medicare Part A and Part B.

If you're not receiving Social Security, you’ll need to manually enroll via the Social Security website or call them.

2. Decide if you want Original Medicare or Medicare Advantage
Original Medicare = Part A (hospital) + Part B (medical), with the option to add:

a Part D drug plan, and

a Medigap supplement (to cover costs Original Medicare doesn’t)

Medicare Advantage (Part C) = All-in-one plan offered by private insurers (includes Part A, Part B, usually Part D, and often extras like dental/vision)

3. Compare plans
Work with a licensed Medicare agent (like me!) who can help you compare plans from multiple companies — based on your doctors, prescriptions, and budget.

4. Enroll on time
Enrolling during your IEP helps you avoid:

Late enrollment penalties (especially for Part B and Part D)

Gaps in coverage

John Swain, CEBS, RPA · 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 
•	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.
•	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

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.

Fred Manas · Answer

f you're turning 65 next month & not already receiving Social Security or Railroad Retirement benefits, you should proactively enroll in Medicare Parts A&B during your Initial Enrollment Period (IEP). The IEP starts 3 months before your 65th birthday month, includes the month you turn 65, & ends 3 months after, for a total of 7 months. You can enroll online through the Social Security website, by phone, or in person at a Social Security office. Here's a more detailed breakdown:
1. Determine if you need to enroll: If you are already receiving Social Security or Railroad Retirement benefits, you'll likely be automatically enrolled in Medicare Part A & Part B.
If you are not receiving these benefits, you'll need to enroll yourself during your IEP. 
2. Understand your options: Original Medicare: Consists of Part A (hospital insurance) & Part B (medical insurance). 
Medicare Advantage (Part C): Offered by private companies approved by Medicare, often includes prescription drug coverage. 
Medicare Part D: Standalone prescription drug coverage. 
3. Enroll during your Initial Enrollment Period:
When: Begins 3 months before the month you turn 65, includes the month you turn 65, & ends 3 months after. How: You can enroll online at Social Security website, by phone, or in person at a Social Security office.  Important: Enrolling during your IEP helps you avoid late enrollment penalties. 
4. Consider your coverage options:  If you choose Original Medicare (Parts A&B), you can also enroll in a Part D plan for prescription drug coverage. You can also choose a Medicare Advantage plan, which may include prescription drug coverage. 
5. Seek assistance if needed: State Health Insurance Assistance Programs (SHIP) offer free, personalized counseling on Medicare. Social Security Administration can also provide information & assistance with enrollment. 
By understanding your options & enrolling during your IEP, you can ensure you have the Medicare coverage that best meets your needs.

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

Julia Alves · Answer

This is part of the exact email I send to my current clients transitioning into Medicare, approaching their 65th birthday:


"We are 3 months before your 65th birthday, which means the process to enroll & apply for Medicare starts now! The very first step to enrolling in Medicare is applying for Medicare Part A & B. There are a few different ways you can do this

You can visit your nearest Social Security office in person.
You can call Social Security office.
Lastly, you can apply online at https://www.ssa.gov/

I want to remind you that this process can take a few weeks, so it is best to do this as soon as possible!"

There is additional info in the email, but that is the very first step! Once you apply or if you are automatically enrolled (this would be the case if you were already getting social security benefits), then I would recommend finding a broker to help you compare routes like Original Medicare with a Supplement vs Medicare Advantage and compare plan options.

Remember, your Initial Enrollment Period starts 3 months before your birth month and ends only 3 months after your birth month, so it is a 7 month enrollment period.

Mindy Kay · Answer

Turning 65 Soon? Here Are Your First Medicare Steps

✅ 1. Confirm your enrollment status

If you already receive Social Security, you’re typically automatically enrolled in Medicare Parts A and B.

If not, you should enroll through Social Security during your Initial Enrollment Period (7-month window: 3 months before, your birth month, and 3 months after).

✅ 2. Decide how you want your coverage structured
You generally have two paths:

Original Medicare (Parts A + B) → Option to add a Medicare Supplement (Medigap) and a Part D drug plan

Medicare Advantage (Part C) → Bundles medical and often drug coverage, sometimes with extra benefits

✅ 3. Evaluate prescription coverage
Even if you take few medications, enrolling in a Part D plan on time helps prevent lifelong penalties.

✅ 4. Estimate total costs — not just premiums
Look at deductibles, copays, provider access, and maximum out-of-pocket exposure.

✅ 5. Speak with a licensed Medicare professional
This is one of the most important enrollment decisions you’ll make. A short consultation can help you avoid penalties, coverage gaps, and costly plan mistakes.

Barbara Klie · Answer

Turning 65 is an important milestone, especially regarding Medicare enrollment. Here are the steps you should take to ensure you are properly enrolled and covered:

Understand Your Enrollment Periods
◦  Initial Enrollment Period (IEP): This period lasts for seven months: three months before your 65th birthday, the month of your birthday, and three months after. It’s crucial to enroll during this time to avoid potential late enrollment penalties.
◦  General Enrollment Period (GEP): If you miss your IEP, you can enroll during the GEP from January 1 to March 31 each year, but coverage won’t start until July 1.

Determine Your Eligibility
◦  Automatic Enrollment: If you are already receiving Social Security benefits or Railroad Retirement benefits, you will be automatically enrolled in Medicare Part A (hospital insurance) and Part B (medical insurance) when you turn 65.
◦  Manual Enrollment: If you are not automatically enrolled, you will need to sign up for Medicare yourself.

Decide on Your Coverage Options
◦  Original Medicare: This includes Part A and Part B. Part A typically covers hospital stays, skilled nursing facility care, hospice, and some home health care. Part B covers outpatient care, doctor visits, preventive services, and some home health care.
◦  Medicare Advantage (Part C): This is an alternative to Original Medicare offered by private insurance companies. It often includes additional benefits, such as vision, dental, and hearing coverage.
◦  Medicare Supplement Insurance (Medigap): If you choose Original Medicare, you may want to consider a Medigap policy to help cover out-of-pocket costs like copayments, coinsurance, and deductibles.

Gather Necessary Information
◦  Have your Social Security number, date of birth, and any other relevant personal information ready for the enrollment process.

Enroll in Medicare
◦  Online: You can enroll through the Social Security Administration's website.

Anna Davis CIC-RSSA · Answer

If you're turning 65 next month, the first step in your Medicare journey is to decide whether you'll keep your employer coverage (if you're still working) or rely on VA benefits (if you're eligible). If you don’t have either, you’ll need to enroll in Medicare Part A and Part B through the Social Security Administration. You can apply in person, over the phone, or online at ssa.gov. Once you receive your red, white, and blue Medicare card, the next step is to get help choosing the rest of your coverage. Even if you don’t take any medications, you’ll want to sign up for a Part D drug plan to avoid lifelong penalties. You’ll also need protection for the 20% that Medicare doesn’t cover, either through a Medicare Supplement or a Medicare Advantage plan. Working with a local licensed agent costs you nothing extra and ensures your plan covers your doctors, prescriptions, and healthcare needs properly from day one.

Answered by Anna Davis CIC-RSSA on August 6, 2025

Broker Licensed in CA

Answered by Anna Davis CIC-RSSA Medicare Insurance Agent

George Francis · Answer

If you were receiving Social Security benefits at least four months before you turn 65, you'll be enrolled in Medicare Parts A and B automatically. 

If your automatically enrolled, you'll receive a welcome to Medicare kit before turning 65. It will explain how to decline enrollment if you still working and covered by your employers health plan and do not want to start your Medicare journey upon turning 65. 

If you are not receiving Social Security benefits you need to sign up during your Initial Enrollment Period (IEP). This is a 7-month window that begins 3-months before your birth month, the month of your birth and 3 months after your birth month. 

Be sure to review how Original Medicare (run by the federal government), Medicare Advantage (run by private insurance companies) and Medicare Supplement (Medigap) works and which best meets your healthcare coverage needs. 

George

Robert Silva · Answer

If you are still working and have creditable group health insurance for an employer that has 20 or more employees, you can delay Part B if it makes sense to do so.   Whether or not you pick up Part B (along with its premium) is your choice.  To help with that decision consider the costs and coverages of your existing plan, the cost and coverage of Medicare, and how they'd work together if you had both. 

Otherwise, to avoid late enrollment penalties (especially for Part B), you should strongly consider signing up for Part B.  The easiest way to do this is to create an account on the Social Security website (www.ssa.gov) if you don't have one.  Once there, you can apply for Medicare. If you or a spouse contributed to Medicare for 40 quarters (10 years) then there will be no premium for Part A.  Part B will have a premium.

If you have Part A and Part B, then you have the option of going with a Medicare Advantage plan.

I suggest that you work with a local broker that understands Medicare, your local market, and will take the time to help you understand your situation and needs so you can make an informed decision about the best way to move forward.

Steven Graves · Answer

If you are located in Texas, Florida or California, call us and we can help you free of charge understand what you need to do and help you. 


1. Understand Your Enrollment Timeline
You have a 7-month Initial Enrollment Period (IEP):

Begins 3 months before the month you turn 65

Includes your birth month

Ends 3 months after your birth month

It’s ideal to enroll during the first 3 months to ensure your coverage starts on time.

2. Determine If You Need to Enroll Now
Ask yourself:

Are you already receiving Social Security?
If yes, you’ll be automatically enrolled in Medicare Part A and Part B.

Are you still working and have employer health coverage?
If yes, and your employer has 20+ employees, you may delay Part B without penalty—but it’s important to evaluate whether that’s the best option based on your coverage.

3. Decide Which Coverage Path You Want
There are two main ways to get Medicare:

Option 1: Original Medicare (Parts A & B) +
Part D (drug coverage)

Medigap (Medicare Supplement Insurance) to help with out-of-pocket costs

Option 2: Medicare Advantage (Part C)
Combines Parts A, B, and usually D

May offer extras like vision, dental, and hearing

Requires using a network of providers

4. Enroll in Medicare
If you need to sign up:

Apply online at ssa.gov/medicare

Or call Social Security

You can also visit your local Social Security office

5. Review Prescription Drug Coverage
Even if you don’t take medications now, enrolling in Part D on time avoids a late enrollment penalty later.

6. Compare Plans Carefully
Use the Medicare Plan Finder at medicare.gov to compare options based on your:

Doctors

Medications

Travel needs

Budget


Regards,
Serving All of Texas, Florida & California
Contact me.

Krissy Tenhagen · Answer

If you don't have employer coverage and you plan on enrolling in Medicare, the first thing you'll want to do is enroll in Medicare Part A and Part B. This is done through the Social Security Administration. You can enroll online (the quickest way) or by phone or in-person appointment at your local SS branch. To enroll online, you'll need to have a login.gov or id.me account, so if you don't already have one, you can create one. You can do that here: https://www.ssa.gov/myaccount/ You'll need a mobile phone that has a valid email address you can access as well as receive sms messages to set up your account for the first time as they verify your identity using your phone's camera (does not work using a pre-paid phone). Once you have your account set up, go to https://www.ssa.gov/medicare/sign-up and click the first box "Sign up for Medicare".

Answered by Krissy Tenhagen on March 30, 2026

Agent Licensed in NY

Answered by Krissy Tenhagen Medicare Insurance Agent

Marsha Reiniers · Answer

You can schedule an appointment at your local Social Security office by calling them..  
The timing of when you enroll in Medicare depends on several factors. Typically, most people enroll for Medicare A and B in person at Social Security or online at www.ssa.gov three months before their birthday month, the actual birthday month, and 3 months after their birthday month.  This is called your Initial Enrollment Period.  However, you can also delay enrolling in Medicare A and B if you have creditable coverage through your employer group plan.  My advice, if you plan to continue working past age 65, is to first start with a conversation with your HR contact or Benefits Department prior to enrolling to see what your options are now that you are turning 65.  By talking with an agent who is familiar with enrollment in Medicare, you can gather information about when is the best time for you to get your enrollment started.  And if you are currently uninsured, or are losing your employer group health coverage, my advice is to enroll in A and B as soon as you are eligible i.e., the first day of three months prior to turning 65.  Online enrollment is generally the easiest way to do it if you are tech-savvy.

Diana Garner · Answer

First, you need to determine how you will receive Social Security benefits, and then understand your Initial Enrollment Period. 

If you are already receiving Social Security, you will likely be automatically enrolled in Medicare Parts A and B. If not, you'll need to enroll either online or by contacting Social Security directly. 

Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after, giving you a total of 7 months to enroll to avoid penalties. 

Once you have received your Medicare Member ID, you can being looking at additional coverage options such as Medicare Part D (prescription drug coverage), Medicare Supplements, & Medicare Part C ( Medicare Advantage plans) to determine which option is best for you.

Sherri Haskell · Answer

Congratulations! Your initial enrollment in Medicare is quite simple. If you have been paying into Social Security or Railroad Retirement benefits, you'll usually be enrolled in Medicare Part A and Part B automatically,  around your 65th birthday. You'll receive a notification in the mail.

Next, you should review the information and the card that is sent to you. If you are still working and receiving health care benefits from your employer, you will want to decide if this is the best time to accept Plan B or delay it.

If you are not being enrolled automatically, you have a 7 month window (3 months before your birthday, your birthday month, and 3 months after) to enroll yourself. You can visit your mySocialSecurity account online, or visit the SS office.

That is the initial setup. After you have Parts A and B, you have two main ways to get your coverage:
•	Stay with Original Medicare and add a separate Part D drug plan, and possibly a Medigap (supplement), or
•	Enroll in a Medicare Advantage plan that combines A, B, and usually drug coverage in one plan.”
 It's important to know that enrollment in your Plan D, which is the prescription drug plan is mandatory and will you will suffer penalties if not done within the initial enrollment period.

Richard Pagano · Answer

Happy early-birthday! :)

1. Make sure you’re signed up for Medicare Part A and Part B (through Social Security). If you’re already on Social Security, you may be enrolled automatically—confirm it.
2. Decide whether you’re keeping employer coverage (if still working). This affects whether you should take Part B now or later.
3. Choose your coverage path: either Medicare Advantage (Part C) or Original Medicare + a Medigap plan + Part D drug plan.
4. Gather your info: list of prescriptions, your doctors/hospitals, and your preferred pharmacies—so we can check coverage and costs.
5. Enroll on time: since you’re turning 65 next month, now is the right time to finalize your plan choices so coverage starts when you want.

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. 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, CT, DE & FL, IA, NJ & PA

Answered by Lavina Woart Medicare Insurance Agent

Michelle de Guzman · Answer

If you are not retiring or you do not have medical coverage from your employer, then you need to sign up for Medicare Part B on SSA.gov. If you have employer group coverage and the employer has more than 20 employees, you may remain on your employer group coverage. If you are paying more for your employer group coverage for yourself alone than the Part B premium for Medicare, you may want to explore choosing to go on a Medicare Plan.

Answered by Michelle de Guzman on July 13, 2026

Broker Licensed in TX, AZ, CA & 10 other states

Answered by Michelle de Guzman Medicare Insurance Agent

Shalonda Cave · Answer

Understand your enrollment period:

You have a 7-month Initial Enrollment Period (IEP) that starts 3 months before your birthday and ends 3 months after.  I do recommend starting before rather than after due to Part D rules.

Decide which parts of Medicare you need:

Do you need Part A (Hospital Insurance) only because you are still working or do you need Part B (Medical Insurance) as well.  Will you need Part C (Medicare Advantage) & Part D (Prescription Drug Coverage)?

Enroll in Medicare:

If you receive Social Security benefits, you may be automatically enrolled in Parts A & B.  If not you can contact me to help you enroll or you can apply on the Social Security website.

Martha Lopez-Elkind · Answer

Happy Early Birthday! You get to join the almost 70 million people already enrolled in Medicare.
Medicare is our country's health insurance program for people age 65 or older. You may also qualify if you have permanent kidney failure or receive Disability benefits.

For starters, make sure that you're enrolled in Part A (Hospital Insurance) and Part B (Medical Insurance) through Social Security. Medicare.gov is a great source of information regarding Medicare.
Keep in mind, you have a 7 month window to sign up, 3 months before your birthday month, on your birthday month and 3 months afterward. After this window closes, and if you don't have creditable coverage you might face penalties.

Make sure to speak with a local, knowledgeable, professional Medicare agent who specializes in Medicare plans, as this can be a complicated area of the ever changing health insurance world.

Chris Hajjar · Answer

Congratulations on your upcoming 65th birthday! Your first step depends on whether you're already receiving Social Security benefits. If you are, you'll typically be enrolled in Medicare automatically. If not, you'll need to enroll during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. It's also a good time to review your coverage options, including Medicare Supplement, Medicare Advantage, and Part D prescription drug plans, to choose the coverage that best fits your needs. A licensed Medicare agent can help you understand your options and enrollment timeline.

Answered by Chris Hajjar on July 6, 2026

Agent Licensed in MI, AL, FL & 5 other states

Answered by Chris Hajjar Medicare Insurance Agent

Lee Hampton · Answer

First step is to understand that you have a 7-month initial enrollment period that begins three months prior to your birthday month and three months after. Normally your Medicare will start on the first day of your birth month.

There are a number of ways to enroll, call Social Security and enroll over the phone, go to ssa.gov and enroll online, or make an appointment with Social Security to do it in person. Many agents are willing to walk you through the process.

Once enrolled into Medicare, then you can choose if a Medicare Supplement or a Medicare Advantage plan is right for you. Once again, agents can be a huge help and take out the confusion and frustration - just give one a call.

Michael Braden · Answer

Determine if you want to enroll in Medicare at age 65 or continues working after age 65.  One important fact is that once you turn 65, your only options for Healthcare are:

A) Enrolling In Medicare and then choosing Original Medicare with a Medicare Supplement Policy,. or enroll in a Medicare Advantage plan.

B) Continue on your current EMployer Group Health plan, so long as your company has more than 20 employees.

C) Enrolll in an ACH/Obamacare plan.  Not recommended due to the deductibles.

D) Enrolll in A Sharing Ministry plan.

It usually takes 4-6 weeks to receive your Medicare Card, so be proactive.  ANd, at a minimum I encourage eeryone to enroll In Medicare Part A (It is free for 99% of Medicare Beneficiaries).  If you are not going to continue working, or if your Employer has less than 20 employees, You should enroll in Medicvare Part A  and Medicare Part B.

You can set up an account and enroll using the Social Security Administations website at www.ssa.gov.  You can ENROLL IN MEDICARE ONLY and then enroll in SOcial Security laterwhen you reach full retirement eligibility at age 67.

Gregory Gudis · Answer

First off, congratulations on reaching an important milestone. The best thing you can do is start early so you don’t miss your enrollment window. You have a seven-month period to sign up that starts three months before your 65th birthday month and ends three months after.

If you’re already collecting Social Security, you’ll be enrolled automatically in Medicare Parts A and B. If not, you’ll need to sign up through Social Security. From there, decide whether you want a Medicare Advantage plan or Original Medicare with a Medigap policy and a Part D drug plan.

Everyone’s situation is different, so it’s worth having a short conversation to make sure your coverage matches your health needs and budget. A little planning now saves a lot of headaches later.

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 for a personalized consultation. I'll help you navigate the Medicare enrollment process and ensure you make informed decisions about your healthcare coverage.

Yasmery Vargas · Answer

You should go ahead and apply for your PART A and PART B with Social security. While your Medicare information comes in, I recommend attending a seminar or webinar to learn about medicare (Stay away from company specific seminars as you want the most information catered to original medicare so you don't get caught up in what one insurance covers over another) prepare a document for youreslf that highlights all your doctors and current prescriptions to make sure they are in network while shopping plans. After all that I recommend calling an insurance broker or meeting with one virtually to find out what your options are based on your current network of doctors and hospitals. Remember you don't have to change your doctors to satisfy an insurance plan, Find a plan that works for you that your doctors take.

Answered by Yasmery Vargas on May 15, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Mary Manos-Mitchem · Answer

If you’re turning 65 next month and you don’t have your Medicare card yet, the first step is to enroll in Medicare Part A and Part B through Social Security — you can do it online at SSA.gov/medicare. Once your card arrives (usually in about 2–3 weeks), we’ll go over your doctors and prescriptions to choose the plan that actually fits your needs. The key is to get enrolled now so you avoid delays or gaps in coverage.

Answered by Mary Manos-Mitchem on November 6, 2025

Broker Licensed in OH, IA, IL & 15 other states

Answered by Mary Manos-Mitchem Medicare Insurance Agent

Adam Morillo · Answer

If you’re turning 65, your first step is to enroll in Medicare during your 7-month Initial Enrollment Period, which starts 3 months before your birthday month. You’ll need to decide between Original Medicare with optional drug and Medigap plans, or an all-in-one Medicare Advantage plan. It’s important to compare your options based on your health needs and budget. Talking to an independent broker can help you see **all** available plans and make the best choice for your situation.

Answered by Adam Morillo on July 27, 2025

Broker Licensed in FL, AK, AL & 48 other states

Answered by Adam Morillo Medicare Insurance Agent

Kim Mitchell-Hargis · Answer

If you are turning 65 next month the first thing you need to know is if you are currently working and not taking your Social Security, you need to go to SSA.gov website and apply for your Medicare.  
If you are collecting Social Security, your Medicare card will come to you automatically.
You have 3 months before your birthday, the month of your birthday, and 3 months after your birthday to enroll in a Medicare plan.  
The next thing is to call an insurance broker like myself to come and determine which plan is best for your needs.
The last thing is that you will receive a bill for your Medicare in the mail.  The first bill if you are new to Medicare, will be for a quarter of the year.  That bill usually hurts the wallet since it is a big one.  Once you are enrolled in either a Medicare Supplement or Medicare Advantage plans your payment will be monthly.

Mark Bilgere · Answer

If you are starting your SS retirement benefits, or have already started them you don't need to do anything. Anyone receiving their retirement benefits is automatically enrolled in Medicare. However, if you are not receiving your SS benefits you will need to enroll online, or on the phone. If you need help, seek out a local Medicare broker in your area and they will walk you through the process. There is no fee to use their services.

Remember, if you are going to continue working and you have creditable coverage through an employer, you are not required to enroll in Medicare. Compare your current benefits to Medicare and decide which one will work better for your situation. Your broker can help you compare.

Adam Ernst · Answer

Go on SSA.gov to get registered with SS and Medicare. You can do it online, schedule a phone or in-person appointment. They will give you the information you need to get Part A and B set up. If you are already taking your SS each month, you will automatically get registered once you turn 65. If you already have your Medicare card, you do not need to take any of these steps. 
Next contact a local agent who you can speak to or meet with to discuss the basics and true costs of Medicare so you can make the best choice for your Medicare coverage. Once you make that choice, either Medicare Supplement or a Medicare Advantage plan, that will determine your next steps.

Maurice Ellis · Answer

If you're turning 65 next month, the first step is to determine if you need to enroll in Medicare or if you're already enrolled automatically. If you're already receiving Social Security retirement benefits, you'll likely be enrolled in Medicare Parts A and B automatically. If not, you'll need to actively enroll during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. During this time, you can choose between Original Medicare (Part A and B) and Medicare Advantage (Part C). You should also compare plan options and enroll in a timely manner to avoid late penalties, according to a Medicare guide.

Answered by Maurice Ellis on July 7, 2025

Agent Licensed in MS, AL, AR & 17 other states

Answered by Maurice Ellis Medicare Insurance Agent

Abiola DeJulio · Answer

Since you are turning 65 next month, you can apply for Medicare this month. There is a 7-month enrollment window for the IEP - Initial enrollment period. It starts 3 months before you turn 65, includes your birthday month, and three months after your birthday month.
To apply for Medicare, follow any of these steps, 

Apply online: Social Security website https://secure.ssa.gov/iClaim/rib 

Apply by phone: Call Social Security at 1‑800‑772‑1213

Apply in person: Visit your local Social Security office.

Tyler Haskell · Answer

Step 1:  Sign up for Medicare A and B.  Best way to do this is on your social security portal at ssa.gov or at your local social security office.  If you are already taking social security benefits, they will automatically sign you up for medicare A and B.

Step 2:  Figure out if you want to stay on original medicare and buy a medicare supplement or go onto an advantage plan.  I highly recommend a local recommended broker to help you with this.

Step 3:  Enroll in either a supplement/and a part D drug plan or a medicare advantage plan.  


These are 3 very basic steps.  There are so many variables and each persons' situation is different.  That is why I recommend finding someone you can trust to help guide you through the process.

David Quintal · Answer

Turning 65 means that you are eligible to enroll into Medicare. It is generally understood to be your Initial Enrollment Period (IEP). IEP is the 7 month period around your 65th birthday. This period includes the 3 month period before, the month of, and the 3 month period after your 65th birthday. You can sign up for Medicare during this time, and it is generally recommended to do so to avoid late enrollment penalties and potential gaps in coverage. Consult with a local broker to assist you with this process. Another good resource is ssa.gov

Answered by David Quintal on June 23, 2025

Broker Licensed in NH, AL, AZ & 14 other states

Answered by David Quintal Medicare Insurance Agent

Andrew Kramer · Answer

First, do you have group health insurance through an employer that you might want to keep, either because your cost will be lower than Medicare Part B, or your wife is also on that plan and needs to stay on it? You can stay on that without future penalty from Medicare, if there are at least 20 employees on the group health plan. Second, if you do want to enroll in Medicare Part B, you can do that on SSA.gov during the time frame of your enrollment period - 3 months before your birthday month, the month of your birthday, and 3 months after, a total of 7 months. But you must also have an online SSA account, which is used to verify your identity, while making the online Part B enrollment. A good agent can talk you through all this.

Answered by Andrew Kramer on May 19, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

William Murray · Answer

You're kind of tying your hands a little by waiting so long to start the process. Your Medicare can start as soon as July 1, June 1, if your birthday is July 1.
Right now, waste no time in going to SSA.gov and enrolling in Medicare Part A.
My not knowing what type of health insurance coverage you have now, or if you will be able to continue with your current coverage, an accurate next step recommendation is a variable.
If you don't have an employer group health plan (EGHP) now, more than likely you should also enroll in Part B now, as well.
If you don't have credible drug coverage in lieu of Medicare Part D, you will need to consider enrolling in a Medicare Advantage plan with Drug coverage, or a stand-alone Part D Drug Plan.
There is so much more to consider to make certain you have what you need based on your specific circumstances.
A late enrollment penalty is a possibility if you don't take the appropriate steps.
I would recommend you contact a Medicare qualified independent insurance agent to help you.

Cody Biggs · Answer

If you’re turning 65 next month, the first step is to confirm whether you should enroll in Medicare Part A and Part B right away or if you can delay Part B because you’re still covered under an employer plan. From there, we look at whether a Medicare Supplement with a Part D plan or a Medicare Advantage plan makes the most sense for you, and we time everything so your coverage starts seamlessly with no gaps or penalties.

Answered by Cody Biggs on December 16, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs 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.

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, CT, MA, ME, NC & TN

Answered by Ami Fouts Medicare Insurance Agent

Joseph Barrows · Answer

Make sure you have applied for Medicare Parts A+B, go to SSA 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

Melanie Blackston · Answer

Turning 65 soon means you are in your 7-month Initial Enrollment Period (3 months before, the month of, and 3 months after your birthday). If not automatically enrolled (via Social Security), sign up at SSA.gov to avoid late penalties. Key steps include deciding between Original Medicare or Medicare Advantage and, if working, checking if your employer coverage allows you to delay Part B.

Answered by Melanie Blackston on February 24, 2026

Broker Licensed in SC, GA & NC

Answered by Melanie Blackston Medicare Insurance Agent

Mary Brown · Answer

1. Your Initial Enrollment Period is 7 months, it 
Starts 3 months before the month you turn 65,
Includes your birthday month and 3 months after.
2. If you already receive social security benefits then in most cases you will automatically be enrolled in Original Medicare (Parts A & B)

If you’re not yet getting Social Security, you’ll need to apply through SSA.gov.

3. Understand the Parts of Medicare, A,B,C,D
and the difference between Medicare Advantage or Supplemental Plans.

You can contact a licensed broker like me.
Medicare.gov at 1-800- MEDICARE

Thermon Holliday · Answer

There are three (3) steps to take if you will be turning 65 in the coming months.
#1.  Create a Social Security "My Account".  This provides access to SSA.gov and all your benefit details.  Most importantly, this is where you initially enroll in Original Medicare.  
#2. Determine if you plan to continue working past 65 years old.  If you are covered by a creditable employer health plan, you may not need to enroll at 65 years. old.  (Consult with a Broker/Agent for more detailed determinations)
#3. If you do want to enroll and are working, terminate any Federal Pre-Tax benefits programs you're participating in as they will create a tax penalty if not stopped prior to enrollment into any part of Medicare.

Note - Consult with a Broker/Agent for more detailed determinations before Medicare enrollment.

Jesse Sagun · Answer

Go to Social Security office and apply for your Part A and Part B, remember, Part B has a premium. Or, you can also do it online by creating an account at SSA.gov and you can file your Medicare Part A and Part B application there as well

Answered by Jesse Sagun on July 13, 2026

Broker Licensed in TX, FL, NJ & VA

Answered by Jesse Sagun Medicare Insurance Agent

Calinda Young · Answer

When turning 65, you will need to notify your employer of your birthday and ask if they will still cover you after you turn 65- depending on the size of the company you work for, as to their ability to pay for your health insurance.  

Next you will need to contact your local Social Security Administration office and notify them of your intent to, 1) apply for your Part A(hospital coverage), it has no monthly premium if you have worked for 40 quarters; 2) Apply for and pay for Part B (out patient) benefits. Part B has a premium- you will need to decide if you will pay out of pocket or have it deducted from your SSA monthly benefit.

Happy Birthday!

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. If Medicare's all Greek to you, you're in luck, I'm Greek.

So the question today is: I'm turning 65 next month, what are the first steps I should do in regards to Medicare enrollment?

So you're turning 65 and you're going to go on Medicare. To make it simple: you're on Medicare at 65. You're still working but you're going to go on Medicare. You need to go in and sign in to Socialsecurity.gov and create a profile for yourself so you can see your benefits. Once you're in there, you can apply for Medicare through that, the red, white and blue card. So the first thing you need to do is apply for Medicare.

Now, if you're already on Social Security and you're turning 65, they're going to roll you onto Medicare. But if you're still working and you are not on Social Security, then you have to apply for it. So you go in and you apply for Part A and Part B Medicare benefits, not your Social Security benefits, just your Medicare benefits.

Then once you submit that form, you wait until your Medicare card comes in, and then we can use that number to get you another plan. But we also have to set up your payment plan. You have to pay for your Medicare Part B premiums out of your bank account, so we have to go into Medicare.gov and set up an account there to set up a payment account and automatic withdrawal. Do you want to use your bank, your EFT auto withdrawal?

You're going to pay for the first three months in advance, and then you take a big lump sum check out first. You know, you can put that on a credit card, that's fine, get the points, and then add in your bank account for the auto withdrawal. The first three, four months is going to be a little hectic. You eat all these weird bills and stuff. But in the beginning, that's what you got to do.

You got to sign up for Medicare, or you call the Social Security department and say, hey, I want to go on Medicare. But that's like a two, three hour long hold time, so maybe don't do that.

If you have any questions, give us a call. Be more than happy to help you out. Have a great day.

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.

Cris Zimmerman · Answer

If you are planning on going on Medicare you should connect with the Social Security office to get signed up for both parts A and B. Please note that if you are continuing to work past age 65 and you are covered by an employer plan that has more than 20 employees you can continue to be covered by your employer and avoid any late enrollment penalties for part B if you wish to delay enrollment and stay covered by your employer plan.

Answered by Cris Zimmerman on November 6, 2025

Broker Licensed in ND, AR, AZ & 29 other states

Answered by Cris Zimmerman Medicare Insurance Agent

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

Nick Morris · Answer

If you are wanting to go onto Medicare once turning 65, then hopefully you have already gotten your Medicare part A & B set up at this point. Generally speaking, most people are automatically enrolled in both of these IF they are already set up and drawing a monthly benefit from social security. If someone is not already getting monthly ss benefits, then they are going to need to set up Medicare parts A & B. The easiest way to do this is from social security's website or setting up a call with social security. After this has been accomplished, then you want to decide what exactly you want to do with your Medicare. Are you wanting to add a Medicare supplement and/or Part D drug plan to your Medicare or are you wanting to take out a Medicare Advantage plan instead? Understanding the differences between these options along with the pros and cons are important.

Answered by Nick Morris on September 22, 2025

Agent Licensed in MO, AR, AZ & 6 other states

Answered by Nick Morris Medicare Insurance Agent

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 or call to sign up. If you're still working or have other coverage, the plan can be tweaked. Also reach out to someone like me 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

Vernon Jones · Answer

The first step is to determine your Medicare Initial Enrollment Period, which begins 3 months before your 65th birthday month and ends three months after it. During that seven month month window, you should contact SSA to sign up for Part A and Part B, unless you`re automatically enrolled due to receiving Social Security benefits or covered by a qualifying employer plan.

Answered by Vernon Jones on October 5, 2025

Broker Licensed in NC & SC

Answered by Vernon Jones Medicare Insurance Agent

Ashley King · Answer

When turning 65 you have an initial enrollment period that begins three months before the month you turn 65, and it’s the time to sign up for Medicare Part A and Part B if you're not automatically enrolled. From there, you’ll want to compare options like Medicare Advantage, Part D drug coverage, or supplemental plans based on your health needs and budget.

Answered by Ashley King on October 16, 2025

Broker Licensed in MD, AL, AR & 9 other states

Answered by Ashley King Medicare Insurance Agent

Ranjit Badhan · Answer

It’s a perfect time to go for initial enrolment. It’s very important to know that your enrolment period lasts 7 months.
3 months before your 65 th birthday month
Your birthday month
3 months after your birthday month.
Enrolling before your birthday ensures coverage stars on time
You should enroll in 
Medicare Part A (Hospital) usually $0
Medicare Part B (Medical) monthly premiums apply.
Do this now to avoid late penalties.
If you are still working you may delay Part B with no penalty

Don Lilly III · Answer

The first step is to determine when you're eligible to enroll and whether you need to sign up for Medicare right away or if you can delay it because you have qualifying employer coverage. From there, review your options for prescription drug coverage, Medicare Advantage, or a Medicare Supplement plan so you can choose the coverage that best fits your healthcare needs and budget. Starting the process a few months before your 65th birthday can help everything go smoothly.

Answered by Don Lilly III on July 20, 2026

Broker Licensed in VA, CT, FL & 14 other states

Answered by Don Lilly III 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.

Ryan George · Answer

You are in what's known as your Initial Enrollment Period (IEP), you have the 3 months before the month of your birthday, the month of your birthday, and the 3 months following the month of your birthday to get on to Original Medicare (A & B). If you have what is known as "qualifying coverage", your IEP is different. However, first step you would want to take is contact your local Social Security office, via phone, online, or in person. They'll get the process started for Part A and Part B and explain how it works with Social Security and SS benefits.

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.

Dawn Young · Answer

First you will need to sign up for Original Medicare Part A and Part B.  You may either call the Social Security office to set appointment to enroll or you may go to SSA.gov to enroll in Original Medicare.  After you have received your Beneficiary number you will be able to enroll in plans to help fill the gaps of Original Medicare and enroll in Part D.  There are several options to concider after being enrolled in Original Medicare.  Finding a broker who is appointed with several carriers and is familiar with the plans is very helpful.

Mark Murphy · Answer

The first step is to talk to a qualified Medicare agent to see if enrolling in Medicare makes sense for you.  Some people save money staying in their group plan from work, others don't.  It all comes down to cost and benefits and whether you can keep coverage for a spouse that doesn't qualify for Medicare yet.  If Medicare is your best step, that leads to...

The second step is to go to the social security site and enroll for Medicare Parts A&B.  The website is: www.ssa.gov.
Sometimes, if you're needing coverage quickly, it's better to make an appointment at your local Social Security office.  Online services can take 6-8 weeks.

Lynn C Shurtleff · Answer

If you have not enrolled in Parts A and B, you will want to do so right away.   If you are already collecting Social Security you should have been automatically enrolled and received a Medicare card.   If you are not collecting you must enroll either online, on the phone or at possibly at a Social Security office.  That is the first step.   If you are already enrolled, the next step is to look over the types and available supplemental plans in your area and see what will best fit YOUR needs, they are not one size fits all.

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.

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!

Juliette Chihade · Answer

Congratulations on the upcoming milestone! Here's what you need to know about Medicare enrollment at 65:
Your Enrollment Window
You have a 7-month Initial Enrollment Period (IEP) — 3 months before your birthday month, your birthday month itself, and 3 months after. Since you're turning 65 next month, you're right at the start of that window, which is ideal timing.
f you're already receiving Social Security or Railroad Retirement benefits, you'll likely be automatically enrolled in Medicare Parts A & B. Watch for your red, white, and blue Medicare card in the mail.
If you're not yet collecting Social Security, you need to sign up manually.

Jeremy Watson · Answer

If you have not done so, the first step is actually enrolling into Medicare Part B. This can be done by calling the Social Security office and setting up an appointment or on the SSA.gov website. Many agents will assist in this process. Once you have your Medicare ID card, you can choose the type of coverage you want. This is ideally done with an agent, also. We can help you understand the pros and cons of the different types of coverages available, compare plans and benefits, and help guide you to the best option for your specific circumstances.

Jeffrey Brucculeri · Answer

Decide first if you plan to keep an employer plan after you turn 65, or not. If so, you will need to only enroll in Part A. If you don't have an employer plan, you should enroll in both Part A and Part B. You enroll by either logging into your Social Security account at ssa.gov, or you would need to visit a local Social Security office.

Edward Smith, ChFC, CRPS, AIF · Answer

If you are not receiving monthly Social Security benefits you will need to enroll in Medicare parts A & B by going here. -->  Sign up for Medicare | SSA.

If you are already receiving Social Security benefits you will be automatically enrolled into Medicare parts A & B. Once parts A & B are effective you can choose a Medicare Supplement or a Medicare Advantage plan. 

It is best if you work with an independent Medicare Broker to develope a plan that meets your needs.

Mal Varlack · Answer

First step, enroll in your Part A and B through the Social Security website. You will receive a letter first informing you of your Medicare number and Part A, B and D premiums. 
Second, once you have your number call a broker who can go over your options and you can decide which path you want to take to supplement your Original Medicare coverage - either Medicare Advantage or Medicare Supplement. Though this need analysis you will be informed of all the options associated with either path.

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.

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.

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.

Steven Lovell · Answer

It all depends on if you're still currently working and covered under your employer's Health Insurance. If you are, you can stay on that coverage until you retire. If you're retired, you need to immediately sign up for Medicare A and B unless you already have it by drawing social security. Once you have Medicare A and B, then you can apply for a Medicare supplement and a Medicare prescription, part D drug plan.

Sherry Stone · Answer

If you're already collecting social security, you'll automatically be signed up for your Medicare benefits.  If you have not yet started social security, you need to apply for your Medicare benefits - this is done through the Social Security Administration and/or you can sign up on ssa.gov.  That's step one!  Then you can start looking into the insurance that goes along with your Medicare A and B, however you'll need your Medicare ID to enroll into a plan.

Eizel Mere · Answer

If you receive social security or railroad benefits you will be automatically enrolled into Medicare. You will receive your card in the mail, usually 3 months before your birthday month. If not, you can enroll into Medicare Part B online or in the Social Security office. To avoid penalties you need Part A, Part B and Part D.
You then consult with a broker who  works with both Supplements and Advantage plans so they can explain how both work and offer an impartial advice. 
Feel free to contact me for help.

Don Hansford · Answer

If you are already receiving Social Security, then you will automatically be enrolled into Medicare. If not, then you will need to apply for your Medicare benefits, the easiest way being online. Once you have your Medicare number, you will then need to decide which type of additional coverage you will want to enroll in, if any. Along with that,you will want to be sure to get enrolled in the Part D (prescription drug) coverage to avoid any penalties and of course, to be covered for your prescriptions.

Bruce Resnick · Answer

In order to maximize your access to upgraded plans that provide more benefits than Federally supplied basic Medicare provides, you must first enroll in Medicare parts A & B with the Social Security Administration.  
Once you have secured federal A&B, you may then contact a licensed agent to evaluate the upgrades that are available in your area. Many upgrade plans are available with at no additional cost over what the federal government charges for their low benefit basic Medicare A&B. 
I recommend that you contact a local independent agent as they offer a wide variety of plans from several companies, and will research the best plan for your particular needs and requirements.

Rick Balistreri · Answer

You must have Medicare Part A and Part B active to transition into Medicare. You must create an account at www.ssa.gov, if you do not already have one, to begin the enrollment process. If you are applying for Social Security to begin, they will automatically sign you up for both parts of Medicare. If you are going to delay your Social Security, you can sign up for Medicare only.

Once you have your acceptance letter with your starting date, you should contact a Medicare specialist to review your options and educate you about available plans in your area. We always encourage people to watch our educational webinar so that you will be well informed when making decisions about your Medicare coverage. Reach out to us for more information.

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, you're turning 65 next month, what steps do you take regarding Medicare enrollment? Well, with Medicare, you can apply up to three months prior to your birth month, your birth month, and three months after your birth month. So the sooner the better. I mean, we're talking about the federal government. So things can happen. Things can get screwed up. You want to apply as early as possible. If you're turning 65 next month, I would absolutely advise you to immediately go to ssa.gov and enroll in Medicare, your A and your B. If you don't need your B because you're already on your work plan and you're going to keep working, that's a separate conversation that you need to have with your broker, and you need to find a broker that only does Medicare. A lot of people do Medicare and a bunch of other stuff. You want to find somebody that only does Medicare because we learned a long time ago, you can't be an expert at everything.

Christy Jones · Answer

Apply for Part A and Part B immediately if you haven’t already.  A&B covers 80% of medical costs, then talk to a Broker to see what your options are to get the additional 20% covered.  Choose an Independent Broker who can present all of the plans available.  Also, choose a Broker that you like and trust that will be available to you when you have questions in the future.

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.

Shawn Ray · Answer

First check whether you’ll be automatically enrolled in Medicare or if you need to sign up through Social Security. If you need to enroll, do it during your Initial Enrollment Period to avoid penalties. Then find an agent who you can trust, to compare your coverage options based on your doctors, prescriptions, and total costs before choosing a plan.

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.

Cheri Rogers · Answer

If you are not going to continue with an employer's group or retirement plan, as early as 3 months before your birth month enroll in Medicare Part A & B. As soon as you receive your red, white and blue medicare card contact a qualified Medicare Insurance Agent to see which options you qualify and the benefits that fit your specific needs.

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.

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

John Motsinger · Answer

If you are already receiving a social security check, then you will be automatically enrolled in medicare part A&B. If you are not yet receiving a social security check, then you either have to call social security and have them enroll you into medicare part A&B or you need to go online, create a social security account and enroll into medicare part A&B.

Robert Rowe · Answer

You should always apply for Medicare part A while in your Initial Enrollment Period. This is free for qualifying enrollees and gets you registered in the Medicare system and provides your Medicare card and number. When it comes to part B-D that all depends on your retirement status and what benefits you’re granted through former or current employer. If you’re turning 65 in the next 3-6 months you should definitely contact a Medicare/Retirement specialist and create a plan for your health insurance come Medicare eligibility age.

Gary Church · Answer

Visit ssa.gov on the home page, click on "Medicare," and then select "Apply for Medicare" from the drop-down window. Just follow the instructions. Once you complete the application, you should receive your Medicare card in about two weeks or so. Then look for a licensed agent who can help with your options.

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

Brian Kulis · Answer

For the most part, you will need to make sure that your Medicare Part A and B will be active on the 1st of the month that you turn 65. There are exceptions if you are keeping group coverage etc. You will have a guaranteed issue period to enroll into a Medicare Supplement, Advantage or prescription drug plan. A local agent can be of a great benefit to help you with the process.

Blake Beecher · Answer

Usually, suppose you are already drawing Social Security. In that case, you will be automatically signed up for Medicare Part A & B.  If you are not drawing Social Security, and you want your Medicare coverage to start upon turning age 65. You will want to contact Social Security and request Part A & B.  You may be able to do this by contacting them, or going to your local Social Security office.

Robert Kelly · Answer

Make sure you are enrolled in Medicare A&B is the 1st step.  Then get a list of your Providers & Medications (Including dosages) together and have an agent use that information to help educate you on the differences between medicare Supplement + Drug plan vs. Medicare Advantage.  Then decide on which way you want to proceed.

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.

Heather Allen · Answer

If you are still employed and remaining on your employers insurance, you will automatically be enrolled in Part A and do not need to enroll in part B until you will lose your employer insurance.
If you do not have, or will lose, employer insurance when you turn 65, you will have to apply for part B through Social Security and there is a cost associated with part B. 
And definitely reach out to a broker like myself to review ALL the plans in your area so your health care works they way you want it to work for you.

Cindy Dedini · Answer

Talk with a Medicare agent to find out what your enrollment eligibilty is to Medicare Parts A and B.  If you are still working and have group medical benefits, you may want to hold off on enrolling to Part B and Part D. If you are already receiving social security, you will be automatically enrolled to Medicare.  You typically have 3 months prior to your 65th birth month, the month of your birthday and 3 months after, but there are circumstances to may vary.  Always talk with a licensed agent to understand your specific situation.

Carol Conner · Answer

Enroll in Part A and Part B. You can delay Part B if you’re still working and have health coverage. If you’re retiring you need to enroll. If you’re losing coverage then we need to set appointment to go over your options for either a Med Sup plan G and a prescription drug plan or Med Advantage plan which usually has a drug plan as part C.

Ira Smith · Answer

You should have received you letter from Social Security by now, providing you with your options. In general you get Part A, which covers yiu hospital benefits free. Part B is your medical benefits, which is now around $200/month. If you have a full time job with medical benefits, you can delay taking Part B until you are ready to cease having them at which time you'll need to pay for your Part B. At that time you'll need to review your Medicare Advantage options. Please contact me to discuss. Thanks so much, Ira

Steven Bleicher · Answer

You may have waited too long. You must go to ssa.gov and look for the top link to enroll in Medicare Parts A and/or B. If you’re still working & are happy with your healthcare plan, just compare the benefits to see which one is best: Medicare or Employer’s plan?  Unless you work for a large corporation, your Medicare coverage is better than a smaller company plan. Then consider interviewing 2-3 longtime brokers who know the business well. Don’t use a “captive” agent since they only work for one company and can’t give you a broad overview. Good luck!

Marcie Barnes · Answer

First thing is to create an account at ssa.gov.  if you are still working and have health insurance through your job then you will not need to get Part B.  Part A is premium free so you will get it automatically.

If you have already retired then you will apply for Medicare through SSA.GOV.

Once this done then you need to speak to a licensed professional agent to assist with getting the right coverage

You can contact me!

Earl Beck · Answer

Make sure yiu enroll in both Medicare Part A and Part B. Medicare Part A is free if you've worked (40) quarters or (10) years of your life. If not, ther will be monthly premium. Medicare Part B has  monthly premium of around $185.00 +/- for 2026. The Part B premium can be deducted from your S.S. amount.

Christopher Boyd · Answer

Contact Social Security, either in your local area or by calling the 1800 number, and make an appointment to enroll in Medicare or enroll via your SSA.Gov account. Social Security personnel will assist you, and Medicare is available 24/7 to answer your questions over the phone (1800) MEDICARE or on Medicare.Gov.

Michael Denniston · Answer

When you are turning 65 the first thing to do is ensure you have applied for Medicare part B insurance if you do not have a credible coverage, you can keep or perhaps have railroad benefits or tri care for life. You should contact an independent Medicare Certified agent and explore all the options you have during your initial enrollment period. Contact the agent of your choice 3 to 4 months before you turn 65. We can walk you through the process.

Jay Larshus · Answer

First, make sure you have signed up for Medicare Part A and Part B through Social Security.  Once you have a Medicare number and Part A & B effective dates, you will be able to sign up for a Medicare Supplement plan or a Medicare Advantage plan.

Richard Smith · Answer

Make sure you are signed up with Medicare. If you are still working and have group insurance all you need to do is sign up for part A. If you are not covered through work insurance or you are in ACA health plan you need to sign up for part A and Part B and part D as a minimum to avoid late enrollment penalties. There are other options see a local agent who can help you make the best decision that is right for you.

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.

Alicia Tyring · Answer

Know that you have a 60day window prior to your 65th birthday to enroll in your Medicare part A/B with Social Security Office. Make sure to get enrolled. Once you're enrolled, then your can set up your medicare coverage, whether you go with a Supplement or a Medicare Advantage plan. Be sure to work with a licensed agent to know the pros/cons to both options!

Fran Lovelace · Answer

Make sure you have Medicare A and B in place.  Then talk with a seasoned, reputable Medicare agent to learn the difference between Medicare Supplement and Medicare Advantage.  Once you decide which path is best for you, the agent will be able to help you select the plan that gives you the lowest out of pocket for prescriptions, and has your providers in network should you choose the Medicare Advantage path.

Norman Smith · Answer

Medicare can be very confusing for people entering it for the first time. 
You should really get started about 6-9 months ahead of your 65th birthday. I would reach out to a DOMESTIC Medicare company - one that is Incorporated and has a corporate office in your state, so that they follow the state-written laws regarding Medicare, and not another state's laws. Request an Agent, and assure they are a Fiduciary! This means they have to do what is best for YOU, and not themselves. Be sure to check their license and to get their NPN number. 

You're looking for a company with a high AM Best rating. That is the company that assesses the relative financial strength and ability to meet the contractual obligations of a Medicare-held policy. You want a company that has been in business long enough to know what they're doing! And won't disappear or become insolvent, that you will have to shop once again, but this time WITH Underwriting provisions! Remember, coming into your 65th year, you ARE NOT subject to ANY Underwriting, so you WILL BE APPROVED! 

That Agent should explain to you both sides of Medicare - Original and Medicare Advantage. They should let you know when to sign up for your Part "A" and Part "B". They should alert you as to if you need to sign in for a Part "D" Prescription plan. 

Once you know the differences between the government-backed Original Medicare, and the

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.

Guillermo Gonzalez · Answer

You should try to get ahead of it as soon as possible.  This means that 3 months before you are turning 65 enroll into Medicare at SSA.gov website, go into the social security office or call.  If you are working still and are going to continue to do so and have credible coverage from your employer you can delay enrollment.

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.

Kris Moen · Answer

As you turn 65, first make sure you’re enrolled in Parts A & B. Then decide whether Medigap or Medicare Advantage fits you best. Review your medications, check that your doctors take the plan, and choose a drug plan that keeps your costs down.

Andrew Kelly · Answer

if you have your red/white/blue Medicare card, I'd reached out to a licensed agent who can help you with either Original Medicare with a Medicare Supplement or Medicare Advantage. Working with an agent who can do both truly allows you to choose.

If you don't have your red/white/blue card, you need to either visit your local social security office and ask them to start your Medicare or you can do it online if you have good technology skills.

Toni Cormier · Answer

Identify if you are retiring are going to continue to work.  This is important because it determine what steps are taken next. If you are retiring all together then you want to initiate your social security benefits as well as compare your employer medical plans vs Medicare. If you are going to continue working full-time then there's no need to file for your social security benefits you can skip right to comparing your health benefits to your now available Medicare benefits.

Joshua Price · Answer

Great question! The first steps that you need to do is sign up for social security. You can do that either online, on the phone, or at your local social security office. Once you sign up, you need to make sure you get your Medicare ID number and write that down somewhere so you can find it easily. Now you will get a hard card with that information, but if you can get it before hand it will make signing up much easier. 

Once you complete all that, contact me to start the process to sign up for Medicare and I will walk you through the rest of the process.

Mark Maliwauki · Answer

Contact SSA.gov to get enrolled in Medicare. If you will not be staying on group coverage you will need to sign up for both Medicare A & B. 

You have until 3 months after your birth month to get enrolled without a penalty.

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.

Steven Silverthorn · Answer

Great question.  It can be straightforward or there may be a few variables to consider when becoming eligible for Medicare.

 If you are turning 65 and want to activate your Medicare (Parts A&B) you can do so online at www.ssa.gov or by calling the Social Security administration number. 

If you currently have health insurance from an employer, there are a few variables to consider.

I would be more than happy to assist you and understanding the best path forward.

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.

Meghan Blankenship · Answer

The first step is to enroll during your Initial Enrollment Period (IEP), which begins 3 months before your 65th birthday and lasts for 7 months. This ensures you avoid late penalties and coverage gaps.

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 or apply online.

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.

Larry Dalton · 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.

Justin Lucas · Answer

You have 3 options to apply for Medicare: Call Medicare, Go to your local Social Security Office, Go online to Medicare.Gov. If you are already drawing Social Security, you will be automatically enrolled into Medicare Part A & Part B.

Gus Karigan · Answer

You have a 7 month window to apply for Medicare.  The three months before your 65th birthday, the month of your birthday and the three months following your birthday.  This enrollment period allows you guaranteed issue of your Medicare supplement.

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. ‘

Dean Chiapetto · Answer

1st get your Medicare card. You need to go to SSA.gov and sign up for your card. Then you can look for drug plans, supplements or Medicare Advantage.

Ingrid Kollmann · Answer

Go to ssa.gov or to a local office to sign up for Medicare Part A and Part B. Then meet with a trusted Medicare agent to look at additional coverage that best meets your needs and pocket book.

Jermaine Williams · Answer

You will need to set an appointment or go to your nearest Social Security office and apply for Medicare part A & B. In that process, you should determine if you're going to be drawing social security retirement payments or not. Once you've established that, work with your local agent on  the next steps.

Michael White · Answer

First you should decide if you will need to take Part B or stay on employer’s coverage. Then you need to apply for your Medicare Card via ssa.gov or by going to your local Social Security office to enroll.

Ali Crouch · Answer

The first step is letting Social Security know that you would like to start your Part B of Medicare. Next, I would highly advise speaking with a trusted broker. A broker has the ability to show you both sides of Medicare and offer more products to make Medicare work for you as an individual.

Michael Pyers · Answer

Depends, if you are drawing a social security check, then you will automatically be signed up for Medicare.  Otherwise, you may have to sign up for Medicare yourself by calling Social Security office or go online to apply.  If you have creditable coverage through an employer, you might be able to avoid a late enrollment penalty. Too many scenarios to elaborate on the subject.  Contact an agent who can advise on this situation.

Leslie Santos · Answer

You are now on the ICEP initial coverage election period where you have 3 month before your birthday month and 3 months after to claim your Part A and B and enroll in an advantage plan or a supplement.

Victor Gerber · Answer

If you do not have employer coverage continuing, you need to get signed up for Medicare A & B either online our calling Social Security for phone appointment. Then talk to trusted agent about secondary insurance plan.

Pamela Fugitt-Hetrick · Answer

1sr determine if you need to enroll. If you do, enroll 3 months before your birthday month. If you are already collecting social security,  your ID should arrive automatically approximately 3 months prior to your 66th birthday. 

Call a certified agent in your area for assistance and guidance on Medicare plans once you have Medicare A and B. Their assistance is at no charge.

There are two main pathways. Medicare with supplements, or Medicare Advantage.

Andre Cabral · Answer

You can learn all about Medicare by calling a licensed agent, faster than reading and researching. Of course I advise you to do your own home work and have questions written down before calling an agent. However, you have 7 months to enroll at: SSA.gov : the month your turn 65, 3 months prior and 3 months after. Wether you go to apply for part A and/or part B, the choice depends of your current health coverage. An agent should never charge you for Medicare information.

LaKeshia Howard · Answer

Hello I hope your day went well, if you haven’t already you will need to contact social security administration during your iep initial enrollment period, you will also need to gather all of your documents, social security card, birth certificate, proof of citizenship, tax documents etc: and also if you are already enrolled for social security you will be automatically enrolled

Rose Cahill · Answer

The first step is to get educated on the topic of Medicare. Some people are ready to retire and start Medicare at their 65th birthday. Many other people are now working past 65 and continuing their employer provided health coverage. And some even go on Medicare while continuing to work past 65 because it is less expensive than paying for their employer benefits.

Each situation is unique. I suggest connecting with a Medicare broker who specializes in helping people who are new to Medicare. They can provide you with the guidance that is best for your personal situation as well as help you break down the process into management steps.

Jose Ramos · Answer

Sign up for Medicare Part A and Part B, then choose either a Medicare Advantage plan or Original Medicare with a Part D and Medigap plan.

Kristen Skinner · Answer

FIrst enroll in Medicare Part A and Part B if you are not getting employer benefits and are retiring. Then get with an agent to properly explain the medicare options to you.

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.

Jerry Cohen · Answer

The first and most important step is to make certain that Medicare will be activating your Part B coverage as of your birfthdate assuming you will no t have access to an employer or individual plan once you turn 65. If you have a definite answer to the Part B question the next item is deciding what form of supplemental coverage you would like to have an Advantage plan or a Supplement plan.

Hector Vazquez · Answer

if you won't have creditable coverage starting at age 65, you need to enroll in Medicare. 

At this point you should have received a Medicare card if you are automatic or should have had a meeting with Social Security to enroll in Medicare if not automatic. 

You then should evaluate your needs and decide how you will cover all the gaps present in Medicare or in the plan you will have.

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.

Todd Bostic · Answer

Determine if you want to pay a monthly premium for your health insurance, then decide if you want a Medicare Advantage plan or Medicare Supplement plan. A Supplement Plan will have more comprehensive coverage, but you don’t get dental, vision, and hearing coverage. You also have to pay for your prescription drug coverage, instead of it being included.

Jeffrey Sodikoff · Answer

IF YOU HAVE A DEDICATED MEDICARE AGENT YOU ARE WORKING WITH HE OR SHE WILL GUIDE YOU THROUGH THE PROCESS. THAT IS ONE OF THE MOST IMPORTANT SERVICES I PROVIDE FOR MY CLIENTS. YOU WILL NEED TO GO ON MEDICARE.GOV AND APPLY FOR PART A HOSPITAL AND PART B MEDICAL . THE EFFECTIVE DATE IS USUALLY THE 1ST OF THE BIRTHDAY MONTH UNLESS YOUR BIRTHDAY IS ON THE FIRST OF THE MONTH AND THEN ITS THE 1ST OF THE PRECEEDING MONTH.

I ASSUME YOU ARE NOT ON SOCIAL SECURITY RETIREMENT BENEFITS, BECAUSE IF YOU WERE THEN IT WOULD HAVE ALREADY COME IN THE MAIL.

Taylor Wade · Answer

Happy early birthday! As you are waiting to get your Medicare card (red, white, and blue card), you could reach out to a broker to discuss what options are available to you. Then when you get your card, pick the best option and enroll. Once enrollment is approved and processed, you will receive your insurance card in the mail.

Michele Spencer · Answer

Work with a LOCAL licensed certified medicare agent. Ask them how long they have been licensed. How long have they been helping people. In the medicare space. There have been many changes to medicare as of late and nobody knows the changes in your state like a local agent. Make sure you are educated on both medicare supplement vs medicare advantage plans. There are upsides and downsides to both options. And what option  you start with will dictate what changes you can make in the future. Don’t fall for the $0 premium plan as depending on your health that could be the most expensive of the two options. Don’t rely on your friends or family for the best plan. Best is subjective to your health, your doctors, your medical needs, your functional budget

Paul Potter · Answer

Make sure you have 

1.  set up your SSA.gov account
2.  Check which plans cover your doctors. 
3.  Check which plans cover your drugs.
4.  Eliminate plans that don't include your doctors and drugs. 
5.  Compare Medicare Supplement plans. 

I can help if you would like.   You can contact me or send an email.

Bill Zeky · Answer

Your first step is to request your Medicare coverage to start on the first of your birth month. You may either go online at ssa.gov or you can make an appointment at your local social security office and meet with one of their staff.
Next, give me a call so we can meet to have a basic discussion and I can gather some needed information.

Amal Sahyoun · Answer

Call Medicare now if you plan on retiring from work to enroll in Medicare.  This is to avoid any penalties.  If you plan on continuing to work and have creditable coverage, you will not be subjected to the penalty, but call them when you decide to retire & lose creditable coverage.

Sheila Simpson · Answer

Unfortunately this in not just a simple answer, more information is need to answer this question. Will you or are you going to continue to work, with credible health insurance. But at a the bare minimum you should make an appointment at your local Social Security office to inquire about enrolling in Medicare part A, and depending on your unique situation also Medicare part B.

Lt Col Tim Brown · Answer

Do you have your Medicare card?  If not, you will need to apply for it via social security.  It takes about three weeks to get.  Get with an experienced agent when you get your medicare number so they can help you choose a plan.  I have 37 years experience and multiple companies.

Chad Sickle, RN · Answer

Enroll in Medicare Parts A & B first then look at your options with a med supplement or advantage plan in your area. A local Medicare agent can do all of that for free for you.

Suzanne Lamperti · Answer

Sign up for Medicare Parts A and B. Sit down with a Medicare Insurance Agent, go through the Medicare and You book. Sign up for a Medicare Supplement Insurance policy to help pay fir Healthcare costs where Meducare does not.

Humara Riaz · Answer

You have a 7-month Initial Enrollment Period (IEP):
	•	It starts 3 months before the month you turn 65
	•	Includes your birthday month
	•	Ends 3 months after your birthday

Heith Huguet · Answer

Contact an agent to help you navigate this process. You will need to be enrolled in Medicare Parts A and or B depending on your current situation. You will need to compare your current health insurance with the many choices that will now be available to you. Doctors and prescriptions need to be researched to make sure your healthcare needs are taken care of.

Donnie Vermillion · Answer

If you are close to turning 65 and not receiving Social Security benefits you will need to sign up for Medicare at SSA.GOV/MEDICARE 

You can also contact social security 3 months before you turn 65.

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.

Sheila Dow · Answer

First you will need to contact the Social Security office to enroll in Medicare Part A & B.  You can do this online or by Telephone

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

Mike Henry · Answer

At least enrollment in Part A. I f still working that’s all. If retiring Part B and either a Medicare supplement along with Part D. If Medicare advantage only that. Make sure physicians are in advantage plan

Rosanne Thompson · Answer

When aging into Medicare, it is advisable to make sure you are entitled to Medicare Part A and enrolled in Part B that way if there is a Medicare Advantage plan that interest you, you can get more information of what all they provide. Keep in mind, all Medicare Advantage plans must comply with Original Medicare.

Dawn Levis · Answer

Great question!
First thing let's get your Medicare card set up because right now it's taken 2-3 weeks...
Here are a few ways:

Enroll in Medicare:
Online: Go to Social Security Administration website and apply—it’s the easiest way.

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.
I'd 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!

James Stang · Answer

Co tact Socisl Security to enroll in Part A and Part B. That is the first step for everyone! Once you have your MBI number you can contact an agent to enroll in a plan that fits you!

Heather Currier · Answer

When turning 65, your first steps toward Medicare enrollment are to learn about the Initial Enrollment Period, decide which parts of Medicare fit your needs, and apply at the right time to avoid gaps in coverage or late penalties.

Jim Tretola · Answer

You should immediately go on www.ssa.gov 
and order your Medicare Card with Parts A and B active. Once you have that, you can consider your options with a Broker.

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.

Kim Fisher · Answer

Make sure you have already applied for Medicare A and B unless you have credible coverage through group coverage that you can keep because you are continuing to work.

Frank Carta · Answer

Did you already receive your part A Medicare Card? If not contact Social Security by
establishing an online account. Or you may call social security. However, for part B
coverage I would have to know if you already have creditable coverage. Do you?

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,

Maria del Carmen Sherwood · Answer

You will need to activate your part B if you work with an employer with less than 20 employees and you'll stay employed. If you're retiring, you activate Medicare at the same time you activate your retirement. Let me know if you need any help.

Jennifer Kalbach · Answer

Go to SSA.Gov to enroll in Medicare Part A & B unless you are already on SSI then you will be automatically enrolled.

Chauncey Bragg · Answer

You need to apply for part a and part b of Medicare. This can take a few weeks to get approved. You also need to start talking with someone about the options you have if you do not want to stay on original Medicare.

Gregory Brown · Answer

Hello do you have Medicare parts A And B? A is The Hospitals And B is for The Doctors  you are in was is called the Initial Enrollment Period 3 months before your 65th Birthday, the month Of and 3 months after where you can enroll .

Brian Williams · Answer

First contact a licensed Medicare Agent to discussions your options and have the Agent assist you with finding a plan that gives you the most value. All Medicare plans are not created equal, but there is a plan that will meet your needs, including having your Primary Care Doctor, Specialist Doctors, Pharmacy and your Prescriptions covered and the network. Contact a licensed agent to get enrolled in a plan.

Dan Green · Answer

If you are working,go to a benefits or human resources officer that will tell you what is available to you at retirement, what insurance you can take with you into retirement and what you will need to purchase in retirement. Follow that discussion with a senior Insurance professional with a bare minimum of ten years experience.

Virginia Barausky · Answer

Find a good agent to help you. APPLY for Part A & B now, go to ssa.gov, unless you are still working. Then the agent can help you pick the right plan. this is important so you have the best coverage.

Evan Hountz · Answer

First steps if you do not have coverage at work is to verify if you are on social security. If you are not , you will need to login to your ssa account and begin the medicare enrollment application on your own, through an agent or social security office.

Jami Mead · Answer

Your first step that you should do is reach out to Social Security to get started with part A and if you need it part b. You can reach out to me and I can help you through the process.

Luke Rhoads · Answer

The first steps are to become educated on your options to determine what course of action is best for you.  Do you plan on keeping working? Does your employer provide a health plan?  Should you enroll in original medicare part A part B and part D, with medicap or go with a Medicare advantage with prescription drug plan.

Megan Day · Answer

You need to apply for SS benefits  and if you are still employed you can keep Part A which is hospital only. If you are not employed then you should get part B as well.

Patricia &#039;Tif&quot; Bush · Answer

Talk to an agent to find out if you need to come on board to Medicare. They should ask you if you are currently working and plan to keep your commercial benefits or if you are retiring and may be eligible for retiring medical. The answer to both of these is no then they will explain next steps about timing and getting on board to Medicare A and B

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.

Joseph Ford · Answer

The first steps are to enroll in Medicare by going to your nearest Social Security office and applying for Medicare. After you receive your new medicare care in the mail, contact me, so I can help you get enrolled in a medicare plan to help offset the 20% that Medicare does not cover.

Andrew Bartley · Answer

You should call CMS immediately as you are in your initial enrollment period which actually started a few months before your birthday and it can take up to 6 weeks for them to process and send you your Medicare card and if you kiss the window you could potentially receive a late enrollment penalty

Lowana Richardson · Answer

It all depends, are you working? Does your employer have credible coverage?  Are you a Federal employee, or are you on a State or Union plan.  Lots of things to consider, so best advice is to find  Medicare agent in your area, not a call center in another state, not just one company, but a broker in your area.

Jeremy Purse · Answer

First steps would be to apply for Medicare Parts A & B if you have not already done so.  Second, would be to schedule an appointment with me to go over your needs and plan options.

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.

Carol Thompson · Answer

Be sure to have applied for Medicare Part B.  

You must be entitled to Part A and have Part B to enroll into Medicare.

William Lawler · Answer

If your turning 65 next month you have been eligible to apply to Medicare since March 1. Apply at ssa.gov or your local SSA office.

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.

Andrew Zurbuch, MBA · Answer

Find a Broker that you trust and have a meeting with. Ask questions. Then delve into Medicare Supplement coverages and Medicare Advantage plans. Consider your budget for it. Go to our website www.locatemedicareinsurance.com for more information.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

George Kolitsas · Answer

Do you have a full understanding of Medicare? Are you enrolled into Medicare Part A and Part B? Have you ran a prescription formulary review? Have you spoken to a local broker to give you advise? If you are turning 65 next month, please start planning today!

Bill Slaughter · Answer

You should request from SSA.gov your A&B Medicare card if you’re not covered by credible coverage at work. You do not need to include B, if you’re going to continue to work.

Steven Rukhman · Answer

Review your current health insurance situation to determine what next steps should be taken. Getting in touch with a reputable, experienced health insurance broker, specializing in Medicare health plans is also a great place to start.

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.

Sagrario &quot;Sage&quot; Dyer · Answer

Contact a local Medicare specialist to get you started on exploring if you are eligible for your Part A & B. You may incur penalties for not signing up on time or not signing up at all.

Jacquie Wolf · Answer

Consult a professional to find out if you are required and eligible to enroll in Medicare.
There are different circumstances depending on your employment, income, and retirement benefits. Know which rules will apply to YOU.

Robin Earley · Answer

Consider your drug coverage and prescription needs. Where is your provider located and do you want an in Network Provider or  will you require the ability to access provider services of your choice. The out of pocket costs will vary depending on your choice. Will you use coverage for chronic illness? Are lab services required frequently? We will select the best available option for your personal health care needs.

Michele Wagoner · Answer

If you are turning 65, make sure you call Social Security 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!

Alicia Hoilman · Answer

The process is different based on your situation.  I would recommend finding a local broker in your area and discussing your current situation and future plans such as retirement.  The process is different for those still planning to work past 65 and keep an employer based plan.

Christopher Garcia · Answer

The first and most important step is making sure you truly understand Medicare, how it works, and what options you will have given your specific circumstances. I highly recommend you reach out to a professional who can guide you through the ins and outs of Medicare. There is never any commitment to enroll or to sign up for a plan. Our jobs as agents are to guide and educate. In many cases, we will be able to help you select a plan. 
I explained to all of my members that my job is not to sell insurance. My job is to make sure that my Members make an informed decision and take the path that we best for them and their future health.

Mark Walker · Answer

You wanna go to ssa.gov. Apply for benefits.  The process takes 4 to 6 weeks so be patient. I would recommend a call between us next week because I am traveling in Europe right now. Will be back in the office on Tuesday 10/07. To discuss your options.

Michael Cavanaugh · Answer

Welcome to Medicare! You should have already received your Medicare ID card. You need to be enrolled in Part A & Part B. This will enable you to participate in any supplement plans you need. I can better explain over the phone. Kindly allow me to help you. Provide your phone number. 

Michael V Cavanaugh

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.

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.

Scott Quintiliano · Answer

If you already have Medicare A&B, you need to get a supplement and Part D or a Medicare Advantage plan. Contact me, and I can point you in the right direction

Ray Rios · Answer

First step is to make sure your Medicare portal is established and that the application for the Medicare card is done, preferably before the month of birth. Contact me.

Babs Atwell · Answer

Typically, the process needs to start at least 3 months ahead of time.  I would recommend finding a good local agent/broker you can trust as soon as possible to help you get the process started.  They will be able to advise you on your specific circumstances what you should do.

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!

Chris Perrin · Answer

If you are losing your group health insurance or you don’t want to continue with it then you will want to contact Medicare and sign up for Par B .

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.

Allen McGirl · Answer

It depends if you have coverage through your employer and if they have more or less than 20 employees.  It is important to speak to an agent like myself to help you understand your options.

Ja&#039;el Michael · Answer

First step would be meeting with a local licensed insurance agent. There are many variables involved and meeting a professional can help you create a personal plan while avoiding any unnecessary expenses.

Charlie Fitzgerald · Answer

Get together with a Medicare Certified Independent Insurance Broker and let them complete a thorough needs analysis.  From there, they can guide you to the suitable recommendation for your individual needs.

Mark Davisson · Answer

Call a licensed agent and have a conversation.  This is the best way to get the right information without you having to research for hours.  I recommend selecting a broker who represents several carriers so you are not being sold only what they offer.

Ken Brzezinski · Answer

When starting with Medicare avoid Medicare Advantage plans as they are good when you are young and healthy. When you have been on the plan for years and your health deteriorates, the 
insurance Companies can block you from receiving the Care you need. They also have a Maximum out of pocket   that comes into play and this could be as high as $8,000.00 per year.

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

Nick Mangini · Answer

You should talk to a Medicare broker to help you find the right Medigap Supplement Plan!  Having a licensed professional agent guide you is the smartest thing you can do to make sure you don’t make mistakes. Contact us so we can help.

Steven Pomerantz · Answer

It depends. Are you working or retired? Are you collecting Social Security or not? Do you have 20 or more employees at your workplace or not? Feel free to contact me.

Daniel Brechin · Answer

You need to speak with someone that has been helping people find a suitable program.  Your choices is traditional Supplement and additional Medicare PDP.  There will be a cost for each.   
Your other option is a MA plan that includes a PDP.   Speak with someone that has helped people and does not just put you there.

Danny Brechin

Marc Butler · Answer

Make sure your card is showing  Medicare part A & B, without these you cannot join a plana and save money

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.  I hope this helps and have an amazing day.

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

Ronnie Robinson Jr · Answer

You could call our office and we can assist You and walk you through that. Or you can log into ssa.gov account do it there.

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.

Deborah Lee · Answer

Do you have your Medicare card? If so, we must explore the options that best fit your needs.

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.

Arash Asadi · Answer

I am your answer to this question. I can be the resource to you at no charge to guide you step by step to get through it at ease. Just contact me 3 months prior to your 65th birthday so we have enough time to get you set up correctly without late enrollment penalties.