Enroll in Medicare at 65
Turning 65 is a major milestone — and for most Americans, it’s also the time to enroll in Medicare. Whether you’re retiring soon or continuing to work, understanding when and how to sign up for Medicare can help you avoid penalties, gaps in coverage, and unnecessary out-of-pocket costs. At Diversified Insurance Brokers, we help you navigate your options and make sure your enrollment is done right the first time.
✅ When to Enroll in Medicare at 65
You become eligible to enroll in Medicare three months before the month of your 65th birthday, and the Initial Enrollment Period (IEP) lasts for 7 months total (3 months before, the month of, and 3 months after your 65th birthday).
- Enrolling before your 65th birthday: Coverage starts the month you turn 65
- Enrolling during your birthday month: Coverage starts the following month
- Enrolling after your birthday: Coverage start dates may be delayed
✅ What Are Your Medicare Options?
Medicare is divided into different parts, each with its own benefits:
- Part A: Hospital coverage (free for most)
- Part B: Medical/doctor coverage (monthly premium applies)
- Part C: Medicare Advantage Plans (private plans with additional benefits)
- Part D: Prescription drug coverage
- Medigap: Supplement plans to cover what Parts A & B don’t
💡 Real Example: Enrolling at 65 While Still Working
Linda turned 65 in April but continued working with employer coverage. We helped her delay Part B without penalty and enrolled her in a Medigap + Part D plan when she retired. She avoided late fees and got the right coverage at the right time. Whether you’re retiring or staying employed, your situation determines your next steps — and we can help you plan it correctly.
📍 How Diversified Insurance Brokers Helps
Our licensed Medicare advisors walk you through your options, help you compare plans, and handle enrollment so you can feel confident in your decisions. Whether you’re new to Medicare or helping a loved one, we’re here to simplify the process.