When to Enroll in Medicare at 65

Turning 65 is a milestone — and for most Americans, it's when Medicare begins. Knowing when to enroll can save you money and prevent coverage gaps.

Your Initial Enrollment Period (IEP)

Your IEP is a 7-month window: the 3 months before your 65th birthday month, your birthday month, and the 3 months after. This is the best time to sign up for Medicare Part A and Part B, and to compare Medicare Advantage (Part C) plans in your area.

What happens if you miss your IEP?

You may face late enrollment penalties on Part B, and you could have a gap in coverage. If you're still working and have employer coverage, you may qualify for a Special Enrollment Period — a licensed agent can confirm your situation.

Medicare Advantage vs. staying on Original Medicare

At 65, you can choose Original Medicare plus a separate Part D drug plan, or a Medicare Advantage plan that bundles hospital, medical, and often drug coverage — frequently with dental, vision, and gym benefits at $0 extra premium.

How to compare plans in your zip code

Plan options vary by county, not just state. A licensed agent compares every plan available where you live, checks your doctors and prescriptions, and explains costs in plain language — free.