I'm turning 65 soon, when can I enroll in Medicare?
Answered by 12 licensed agents
When clients ask about enrolling in Medicare at 65, I explain the Initial Enrollment Period (IEP) covers three months before their birthday month, the month itself, and three months after. It’s a straightforward seven-month window.
Answered by Brian Moore on March 26, 2025
Broker Licensed in OH
You are guaranteed coverage with no underwriting evaluations starting three months before your 65th birthday month and continuing for three months after that month. I always advise people to start thinking about their Medicare coverage at least six months before they turn 65.
Answered by Larry Dalton on March 29, 2025
Broker Licensed in OK & TX
If you are currently receiving benefits from the Social Security Administration or the Railroad Retirement Board, you will be automatically enrolled in Part A and Part B. You will receive your red, white, and blue Medicare card in the mail 3 months before your sixty-fifth birthday. Your coverage will begin on the first day of the month you turn 65. If your sixty-fifth birthday falls on the first day of the month, your coverage will begin the first day of the month before your birthday. There are so many important decisions to be made-that's why I help folks everyday with their Medicare planning! :)
If you are receiving Social Security benefits, you will automatically be enrolled in Medicare Part A and B. If you are not collecting Social Security benefits. In that case, you will need to contact the Social Security office online at www.ssa.gov or by phone to apply for Medicare Part B after you are officially enrolled in Medicare Part A and B. In that case, you'll want to contact a Medicare Broker to discuss your options between Medicare Advantage and Medicare Supplement Plans. You should select your plan within 3 months of your Medicare Parr B effective date.
Answered by Shawn Brown on April 1, 2025
Broker Licensed in FL, AL, CO & 7 other states
If you are turning 65 soon, and want or need to enroll in Medicare, your Initial Enrollment Period allows you to start enrolling up to 3 months before the month of your birthday for an effective date of the 1st of the month, of the month of your birthday. In other words, if your birthday is June 12, you may start enrolling in March. If you enroll in March, April or May, your effective date will be June 1.
In this example, you may also enroll, as part of your Initial Enrollment Period, in June, and up to 3 months after your birthday. Your effective date will be the first of the month after you enroll.
Answered by Diane Andree on March 27, 2025
Agent Licensed in NY
3 months before your 65th birthday. And up to 3 months after. You may delay enrollment if you have a job that gives you creditable coverage if you want to delay signing up for Medicare. Normally if you are receiving Social Security you will be signed up automatically.
Answered by Michael Pyers on March 31, 2025
Broker Licensed in OH & MI
You have a seven-month window to enroll in Medicare, starting three months before you turn 65 and ending three months after your birthday month.
Missing this window can lead to penalties or delayed coverage.
Answered by Comfort Olude on March 25, 2025
Broker Licensed in CA, FL, GA & 9 other states
Your Initial Enrollment Period (IEP) begins 3 months before your birthday, your birth month, abc ends 3 months after your birth month. This 7-month IEP is the crucial time to enroll.
Answered by Morgan Greer on March 26, 2025
Agent Licensed in KS & MO
Your Initial Enrollment Period begins three months before your Medicare eligibility date. For example, if your birthday is 11/25/60, your Medicare eligibility date is 11/1/2025 and you can submit your application anytime after 8/1/2025.
You can enroll 3 months before turning 65. You can also enroll the month of your date of birth and 3 months after. This gives you 7 full months to apply when turning 65.
Answered by Michael Yost on March 31, 2025
Broker Licensed in OH, AL, AZ & 27 other states
3 months before you turn 65, you can enroll in Part B of Medicare and your application will be accepted 90 days before you turn 65 for a medicare supplement, medicare advantage plan, or Part D drug plan. Please keep in mind if you are on Social Security at age 64, your Part B will activated automatically at age 65 and you will receive your Medicare Card in the mail in a plain envelope. If you are currently working and not drawing social security, you need to enroll online at Medicare.gov or make an appointment to visit a Social Security office for assistance
Answered by Michael Young on March 31, 2025
Broker Licensed in CA, AZ, ID, NC & NV
Your Original Medicare begins automatically at age 65 if you're receiving Social Security benefits. You should know all your options to decide what's best for you.
Answered by Aisha Saleem on March 26, 2025
Agent Licensed in MD & FL
Tags:
Enrollment Periods
New To Medicare
Turning 65
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