TALK WITH KIMBERLYUnderstanding your Medicare enrollment options and deadlines can feel overwhelming. Kimberly can help you know what to do, when to do it, and what decisions you’ll need to make.
Everything you need to know about Medicare when you’re turning 65, including enrollment timelines, coverage options, and important decisions to consider.
Understand your Initial Enrollment Period (IEP) and key deadlines.
Learn about Original Medicare, Medicare Advantage, Part D and Supplement options.
Find out which documents and information to have ready before enrolling.
Avoid costly mistakes that can affect your coverage and costs.
Your Initial Enrollment Period (IEP) is a 7-month window that begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after.
A good time to start reviewing your options is about three months before your 65th birthday. Your Initial Enrollment Period generally spans seven months.
Your next steps depend on your current employer coverage and whether it qualifies for a Special Enrollment Period. Check with your benefits administrator before delaying Part B.
Not everyone needs to enroll at 65. If you have qualifying employer coverage, you may be able to delay Part B without a late-enrollment penalty. Your circumstances matter.
These are different ways of getting or supplementing coverage. Compare provider access, prescription costs, premiums, out-of-pocket expenses, and your personal priorities.
It depends on the coverage you choose and whether your doctors accept Medicare or participate in a plan’s provider network. Check before enrolling.
You may still have enrollment options, but there can be gaps in coverage or penalties. Review whether a Special Enrollment Period or General Enrollment Period applies.
HAVE QUESTIONS ABOUT TURNING 65?
Every situation is different. Kimberly can help you understand your options and make an informed decision based on your individual needs.
REQUEST A CONVERSATION
Whether you’re approaching Medicare for the first time or reviewing coverage you already have, start with a conversation.