Turning 65? A Simple Medicare Checklist (What to Do and When)

If you’re approaching 65, this checklist will help you understand the Medicare timeline and avoid common mistakes—so you feel confident before you enroll.

We do not offer every plan available in your area. Plan availability varies by location and carrier. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE.

12–6 Months Before 65

• Learn the basics (Parts A, B, C, D)
• Gather info you’ll need (doctors, prescriptions, travel needs)
• Decide what questions you want answered on your call

6–3 Months Before 65

• Confirm your Medicare start timing
• If you’re still working, review employer coverage rules
• Start narrowing your coverage direction

3–1 Months Before 65

• Make sure you’re enrolling on time (if needed)
• Confirm effective dates
• Keep copies of anything you submit

Month of Your 65th Birthday

• Double-check start dates
• Ask any final questions
• Save confirmation numbers / letters

After You Enroll

• Keep your plan information in a safe place
• Review changes during allowed enrollment periods
• Reach out any time you have questions