Congratulations, you’re turning 65! You mark every important date in your life on the calendar: a grandchild’s birthday, your wedding anniversary, summer vacation, even doctor appointments. But there are other critical moments you’ll want to make sure to remember, too – like when you can first sign up for a Medicare Supplement or a Medicare plan.
This timeframe for enrolling is called the Initial Enrollment Period.
You have a seven-month window to join during this period – from three months before the month you turn 65, through your birthday month and three months after the month you turn 65. During this time you can:
If you don’t sign up for Medicare Parts A and B or Part D when you’re first eligible, you could face penalties in the form of higher premiums.
Tip: If you’re already receiving Social Security when you turn 65, you will be automatically enrolled in Original Medicare (Parts A and B).
TL;DR – Top Medicare Mistakes to Avoid When Turning 65 Choosing a plan based only on the premium: $0 Medicare Advantage plans often come with hidden costs. Missing the Medigap open enrollment window: After 6 months, you could be denied or charged more. Thinking COBRA protects you: It doesn’t delay your need to enroll in
Read More✅ TL;DR: Medigap Plan G offers the most comprehensive Medicare Supplement coverage available in 2025. It’s not the cheapest, but it helps you avoid surprise bills, see any doctor who accepts Medicare, and enjoy predictable healthcare costs. For many turning 65, it’s the safest long-term choice. Plan G costs how much?! Medicare decisions can feel
Read MoreThe $1,200 Wake-Up CallA few years back, I got a call from a woman named Janet who had just retired after 40 years in education. She was sharp, organized, and had always handled her benefits like a pro. But that call wasn’t a happy one.She was sitting at the pharmacy counter, trying to pick up
Read MoreIt Starts the Way It Always Does…You’re turning 65. The mailbox is overflowing. Your phone won’t stop ringing. You can’t even watch Judge Judy without hearing about free flex cards and $0 premiums. Suddenly, you’re the most popular person in the Medicare universe.It’s not just confusing — it’s exhausting. Every flyer screams urgency. Every call promises savings.
Read MoreTurning 65 Medicare: Choosing between Medicare Advantage and Medigap Plan G is a pivotal decision for individuals approaching 65. This guide aims to clarify both options, helping you make an informed choice tailored to your healthcare needs and financial situation.Medicare Plan Comparison Example: Meet Jane, Age 65If you’re turning 65 and trying to make sense
Read More✅ TL;DR: Plan G offers more comprehensive coverage with higher premiums, covering Part B excess charges and eliminating most copays. Plan N has lower premiums but includes copays for doctor and ER visits and doesn’t cover Part B excess charges. Choose based on your healthcare usage and budget preferences. Plan G vs Plan N is
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Read MoreSay goodbye to unpredictable out-of-pocket costs and get the peace of mind you deserve with a Medicare Supplement Insurance Plan.Medicare Supplement insurance puts you in control.Medicare Supplement insurance plans (also known as Medigap) work with Original Medicare to provide you with predictable out-of-pocket costs. This puts the financial control and planning for future medical expenses
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