What to do, and when. In order.
Start six months before your birthday. Nothing here takes more than an afternoon, and most of it we do with you.
Six months, six moves.
Your Initial Enrollment Period
Medicare’s own explainer (CMS) on the seven-month window around your 65th birthday and what happens if you miss it.
Still working at 65?
With group coverage from an employer of 20 or more employees, you can delay Part B with no penalty. When that coverage ends you get 8 months to enroll in Part B and a fresh 6-month Plan G window. Take Part A now anyway. For most people it’s free.
Take Part B on time if your coverage is:
- From an employer with fewer than 20 employees
- COBRA
- Retiree coverage
- A marketplace (ACA) plan
None of these count as active employer coverage. Delay and the Part B penalty is permanent.
The mistakes we see most.
Letting the six-month window close.
After it, most states let companies ask health questions before selling you Plan G.
Skipping Part D because you take nothing.
The late penalty is permanent. A low-cost plan avoids it for well under $20 a month.
Buying the first quote.
The same Plan G next door can be $50 less. Every company’s Plan G is identical by law.
Picking Advantage for the $0 premium alone.
Fine if it fits your doctors and your habits. Just know that getting Plan G later usually means health questions.
What to have handy when we talk.
That’s it. About 15 minutes.
or Part B date
if any
Ready when you are.
Licensed, independent Medicare help. No cost to you, ever.
Independent Medicare guidance for people turning 65 and anyone shopping their plan. Plan G and Medicare Advantage, nationwide.
Mon to Fri 9 to 12:30, 2 to 4 and 6 to 8 ET. Sat 10 to 3 ET
info@medsupsforme.comMedSups For Me is a privately owned website and is not connected with or endorsed by the United States government or the federal Medicare program. We are an independent insurance agency licensed to sell Medicare Supplement (Medigap) insurance and Medicare Advantage plans. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all of your options.