Life Event Playbook
What to Do When You Turn 65
Steps to Take
- Decide whether to enroll in Part B (yes if no creditable coverage)
- Choose Original Medicare + Medigap + Part D, OR Medicare Advantage
- Sign up at ssa.gov/medicare or call 1-800-772-1213
- Buy Medigap during your 6-month Medigap Open Enrollment window
Key Deadlines
- 3 months before 65 → enroll for coverage starting birth month
- 3 months after 65 → last month of IEP
- 6-month Medigap OEP starts when you're 65+ AND on Part B
Watch-Outs
- Missing IEP without creditable coverage triggers permanent Part B/D late penalties
Related
Disclaimer: Educational content only. Confirm your specific situation with SSA, Medicare, or a licensed professional.
Frequently Asked Questions
Where do I enroll or make changes?+
Most Medicare changes happen at ssa.gov/medicare or medicare.gov. Your state SHIP offers free counseling.
How strict are deadlines?+
Very. Missing a Special Enrollment Period often means waiting for the Annual Enrollment Period (Oct 15 – Dec 7) and facing late penalties.
Do I need an agent?+
Not required, but a licensed independent Medicare agent can compare plans across multiple carriers at no cost to you.
What if I miss a deadline?+
Use the General Enrollment Period (Jan 1 – Mar 31) for Part B, accepting any applicable late penalty. Some SEPs allow late enrollment for specific hardship reasons.