Turning 65?

Turning 65 Soon? Here’s What to Do

If you’re approaching 65, there are generally two paths:

1. Enroll in Medicare Part A & Part B

If you’re already receiving Social Security benefits at least 4 months before turning 65, you’ll generally be enrolled automatically in Parts A & B.

If you’re not receiving Social Security yet, you need to enroll manually. The easiest way is through Social Security’s online Medicare application.

2. Delay Medicare Part B

If you or your spouse are still actively working and you’re covered by an employer group health plan, you may be able to delay Part B without penalty and enroll later using a Special Enrollment Period.

Important: If you contribute to an HSA, Medicare enrollment requires additional planning because you can no longer contribute once Medicare coverage begins.

Not sure which path applies to you?
I can help you determine what you need to do before your 65th birthday.

No fee. No obligation. No pressure.