Medicare Checklist: What to Do Before You Turn 65
Turning 65 is a big milestone — and for most people, it also means becoming eligible for Medicare. While Medicare can feel confusing at first, a little preparation goes a long way. Knowing what to do before you turn 65 can help you avoid penalties, coverage gaps, and unnecessary stress.
Use this checklist to stay on track and feel confident about your Medicare decisions.
✅ 6–9 Months Before You Turn 65
1️⃣ Learn the Basics of Medicare
Medicare has different “parts,” each covering specific services:
- Part A – Hospital insurance
- Part B – Medical insurance (doctor visits, outpatient care)
- Part C (Medicare Advantage) – Private plans that bundle Parts A & B (often with extra benefits)
- Part D – Prescription drug coverage
- Medigap – Supplemental insurance that helps cover out-of-pocket costs
Understanding these parts early helps you make better decisions later.
2️⃣ Determine How You’ll Enroll
Ask yourself:
- Are you already receiving Social Security benefits?
- Are you still working and covered by employer insurance?
- Will you enroll automatically or need to sign up manually?
Some people are auto-enrolled, while others must take action to avoid delays or penalties.
✅ 3–6 Months Before You Turn 65
3️⃣ Know Your Initial Enrollment Period (IEP)
Your Initial Enrollment Period lasts 7 months:
- 3 months before your 65th birthday
- Your birthday month
- 3 months after
Enrolling during this window helps ensure coverage starts on time and avoids late penalties.
4️⃣ Review Your Current Health Needs
Take inventory of:
- Doctors and specialists you see
- Prescription medications you take
- Preferred hospitals and pharmacies
- Upcoming procedures or ongoing conditions
This information is key when comparing Medicare plans.
5️⃣ Decide Between Medicare Advantage and Medigap
There’s no one-size-fits-all plan.
- Medicare Advantage may offer lower premiums and extra benefits like dental, vision, and hearing.
- Medigap can provide more predictable out-of-pocket costs and broader provider access.
Understanding the pros and cons of each option is critical before enrolling.
✅ 1–3 Months Before You Turn 65
6️⃣ Compare Plans Available in Your Area
Medicare plans vary by zip code. Compare:
- Monthly premiums
- Deductibles and copays
- Prescription drug coverage
- Provider networks
- Extra benefits
What works for a friend or spouse may not be the best option for you.
7️⃣ Check for Prescription Drug Coverage
Even if you don’t take medications now, enrolling in Part D when first eligible can help you avoid future late-enrollment penalties.
Make sure your medications are:
- On the plan’s formulary
- Covered at your preferred pharmacy
- Reasonably priced
8️⃣ Gather Required Documents
Have these ready when enrolling:
- Social Security number
- Proof of citizenship or legal residency
- Employment and health coverage information (if still working)
Being prepared helps prevent enrollment delays.
🎉 Your Birthday Month
9️⃣ Complete Your Enrollment
If you haven’t already:
- Enroll in Medicare Parts A & B (if required)
- Choose your Medicare Advantage, Medigap, and/or Part D plan
Double-check your effective dates to ensure there are no coverage gaps.
⚠️ Common Mistakes to Avoid
- Waiting too long to enroll
- Assuming Medicare covers everything
- Not reviewing prescription coverage
- Choosing a plan without checking doctor networks
- Not getting help when you need it
🤝 Get Help Before You Turn 65
Medicare decisions can feel overwhelming — but you don’t have to figure it out alone. A licensed Medicare professional can help you:
- Understand your options
- Avoid penalties
- Choose coverage that fits your health and budget
📞 Need Help with Your Medicare Checklist?
If you’re turning 65 soon, we’re here to help.
👉 Schedule a free Medicare planning consultation
👉 Get personalized Medicare guidance
No pressure. Just clear, simple answers.
