Start Planning Before Your Birthday

Medicare is a major retirement decision. Understanding your timing and choices early can make the process much easier.

Your Initial Enrollment Period

Your Initial Enrollment Period

For most people, the first opportunity to enroll in Medicare is a seven-month Initial Enrollment Period: it generally begins three months before the month you turn 65, includes your birthday month, and ends three months afterward. Special rules can apply, including when you have qualifying employer coverage.

Because individual circumstances differ, call us before making enrollment decisions.

Sample Medicare health insurance card for John L. Smith, showing Medicare number, Part A and B coverage, and start date 03-03-2016.
Older woman wearing glasses and a scarf, talking on a cell phone while holding a pill in her hand

Questions to Ask Before Choosing Coverage

Questions to Ask Before Choosing Coverage
  • When should I enroll in Medicare Part A and Part B?
  • What if I am still working or covered by an employer plan?
  • Do I prefer original Medicare with supplemental coverage, or Medicare Advantage?
  • Are my doctors and hospitals available under the coverage I am considering?
  • How will my prescriptions be covered?
  • What premiums, deductibles, copayments, and other out-of-pocket costs should I understand?

Turning 65 Soon?

Call Marcie and start the conversation.

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