Turning 65 usually means one thing on the calendar: Medicare. The good news is that enrolling does not have to be stressful if you know the timeline and gather a few documents ahead of time.
Your seven-month window
Your Initial Enrollment Period runs for seven months: three months before your birthday month, your birthday month itself, and three months after. Enrolling in the first three months usually means coverage starts the month you turn 65.
What to have ready
- Your Social Security number and Medicare card, if you already have one
- Proof of any current employer coverage, if applicable
- A list of your doctors and pharmacies to compare plan networks
If you are still working and covered by a qualifying employer plan, you may be able to delay enrollment without a penalty, but it is worth confirming with your HR department before your window closes.