Turning 65? Here’s Your Medicare Enrollment Checklist

Medicare is a federal health insurance program for individuals 65 and older and certain younger people with disabilities. In Florida, you have several options for coverage, including Original Medicare (Parts A and B), Medicare Advantage Plans (Part C), Prescription Drug Plans (Part D), and Medicare Supplement (Medigap) policies.

Your Medicare Enrollment Checklist

To help you prepare, here’s a step-by-step checklist for enrolling in Medicare as you approach your 65th birthday:

Mark Your Calendar for Key Dates

• Initial Enrollment Period (IEP): This seven-month window starts three months before your 65th birthday, includes your birthday month, and ends three months after.
• Missing this window may result in late enrollment penalties.

Review Your Current Health Coverage

• If you have employer coverage, determine how it works with Medicare.
• Consider whether you need to enroll in all parts of Medicare immediately.

Learn About Your Medicare Options

• Original Medicare (Parts A & B): Covers hospital and medical services.
• Medicare Advantage (Part C): Combines Parts A and B, often with extra benefits.
• Prescription Drug Plans (Part D): Standalone plans for medication coverage.
• Medigap: Supplemental policies to help with out-of-pocket costs.

Gather Necessary Documents

• Social Security number
• Proof of age and citizenship or legal residency
• Current insurance information

Enroll on Time

• Apply online at the Social Security Administration website, by phone, or in person.
• If you’re already receiving Social Security benefits, you may be enrolled automatically.

How We Can Help

Our team at Stuart Insurance Services understands the unique needs of Florida residents turning 65. We’re here to answer your Medicare questions, explain plan differences, and help you compare options to make the best decision for your health and budget.

Ready to get started? Contact us today to schedule a personalized Medicare consultation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.