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Four to six months before turning 65

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

  • What does each part cover?

  • What costs are associated with each part?

  • What are the limitations on coverage? 

Contact Social Security to confirm your eligibility and premium amounts

  • 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.

Determine how your current healthcare coverage (if any) may be affected by Medicare enrollment

  • Contact your HR department or current policy to determine if you can delay your Part B enrollment due to creditable coverage. 

Three months before turning 65

Enroll in Medicare Part A and Part B (Unless you plan to delay your Part B enrollment)

  • 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. 

  • Don't know if you need Part B? Check out our Enrollment Navigator Tools.

  • Enroll online, in person or by phone. 

Learn about what Medicare health and drug plans are available to you

  • Create lists of your prescriptions and doctors to assist in your research.

  • Learn the difference between Supplement and Advantage plans.

  • Compare benefits, out of pocket costs, prescription drug coverage and networks.

One to three months before turning 65

Decide which plan is right for you

  • Medicare Advantage Plan?

  • Medicare Supplement (Medigap) Plan?

  • Standalone Prescription Drug Plan?

Enroll in your selected drug and health plan

  • Our enrollment assistance and plan selection services are at no cost to you. 

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