Turning 65 is an important milestone, and one that comes with key decisions about your healthcare coverage. Understanding how Medicare works, when to enroll, and what options you have can help you avoid costly mistakes and feel confident moving forward.
Turning 65 is when most people become eligible for Medicare, the federal health insurance program. At this stage, it’s essential to understand your options, enrollment timelines, and the different types of coverage available. With the right guidance, you can make informed decisions that fit your health needs and financial situation.
Medicare is divided into four parts, each offering unique coverage. Here’s what you need to know:
Starts 3 months before your birthday
Your eligibility begins
Ends 3 months after your birthday
If you have employer coverage, you may qualify to enroll later without penalties.
October 15 – December 7
Make changes to your plan.
January 1 – March 31
Switch plans or return to Original Medicare.
Your monthly premium may go up 10% for each full 12-month period you could have had Part B but didn't.
An extra 1% of the national base beneficiary premium is added for every full month you were without coverage.
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Choosing health insurance does not have to be overwhelming. I’m here to guide you through your options and help you find coverage that fits your needs.
