Turning 65 Medicare Checklist

Turning 65 doesn't have to be overwhelming. Use this checklist in the months before and after your birthday.

3–6 months before you turn 65

Gather your Social Security number, list of doctors and prescriptions, and note whether you have employer health coverage. Mark your 7-month Initial Enrollment Period on the calendar.

2–3 months before

Compare Medicare Advantage plans in your zip code. Check which plans include your doctors and cover your medications at the lowest cost. Consider dental, vision, and hearing needs.

Your birthday month

Enroll in Part A (usually automatic if you receive Social Security) and Part B if you're not covered by employer insurance. Choose a Medicare Advantage or Part D plan if needed.

After enrollment

Save your Medicare card, confirm your plan start date, and schedule any overdue preventive visits. Review your plan each fall during Annual Enrollment (Oct 15 – Dec 7).

Free help from a licensed agent

A licensed agent walks through this checklist with you — comparing every plan in your area at no cost.