3 months before
Your Initial Enrollment Period opens. Decide whether you need Part B now (yes for most people not covered by a current employer).
2 months before
Choose your path: Original Medicare with a Supplement and Part D, or a Medicare Advantage plan. This is the conversation to have with an agent.
1 month before
Enroll, so your coverage starts the month you turn 65 with no gap.
After 65
Your Medigap open enrollment continues for six months after Part B starts. Supplements are easiest to get in this window.
Still working with employer coverage? Different rules may apply and you may be able to delay without penalty. See our guide on leaving employer coverage, or just ask us.
Your birthday is the deadline. Let us handle the rest.
One conversation now saves penalties later.