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Turning 65 or getting ready to retire?

Review our Medicare enrollment timeline below, or CLICK HERE to use our Enrollment Navigator.

4 to 6 months before your 65th birthday:

Familiarize yourself with the different parts of Medicare-A, B, C, D:

  • What does each part cover? Learn more at

  • What costs are associated with each part?

  • What are the limitations on coverage? 

Contact Social Security to confirm your Medicare eligibility and premium amounts:

  • If you have not already done so, set up your social security account at

  • Premiums may vary with income; you may be subject to a higher premium due to IRMAA (high income), or you may be eligible for reduced (low income) premiums.

 Consider enrolling in Original Medicare:

  • If you will continue working and have workplace health care coverage, contact your benefits manager to determine if you can delay your Part B enrollment due to creditable coverage. 

  • Not sure if you should enroll at age 65? Check out our enrollment navigator here

  • If you are collecting social security benefits at the time you turn 65, your enrollment in Medicare Parts A & B will be automatic.

3 months before your 65th birthday:

Enroll in Medicare Parts A & B:

Unless you plan to delay your Part B enrollment. Not sure about delaying Part B?

Click here for our navigator.

  • If you are already receiving Social Security Income benefits, you may be enrolled automatically. If you are automatically enrolled, and you don't want Part B, you may have to dis-enroll. 

  • If you are contributing to a Health Savings Account, you may want to delay your Part A enrollment. Call us for more information: 763-878-5994. 

  • Enroll in Original Medicare (Parts A and/or B) online here, or in person at your nearest Social Security office (look here) or by phone at 1-800-772-1213 (TTY: 1-800-325-0778.) 

Choose a health care plan to ensure you have the coverage you need. 

Call our licensed agents at 763-878-5994 or email

There is no cost to you for working with us, and we can help you:

  • Compare Medicare Advantage plans and Medigap policies
  • Research your prescriptions and list of doctors to assist in decision making

  • Understand how Medicare prescription drug coverage works and avoid penalties

  • Select and enroll in a plan that fits your health care needs

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