Turning 65? Don't Make These Medicare Mistakes
Your Complete Guide to Medicare Enrollment
Congratulations on reaching this milestone! Medicare can be confusing, but you don't have to navigate it alone. Learn what you need to know to avoid penalties, maximize your coverage, and make informed decisions.
⚠️ Important Deadline Alert
Missing your Initial Enrollment Period can result in lifetime penalties and delayed coverage. Learn your enrollment windows and avoid costly mistakes.
Your Medicare Enrollment Timeline
Understanding when to enroll is crucial to avoid penalties and coverage gaps
3 Months Before Your 65th Birthday
Your Initial Enrollment Period (IEP) begins three months before the month you turn 65. This is when you can first sign up for Medicare Part A and Part B without penalties.
The Month You Turn 65
The middle month of your 7-month Initial Enrollment Period. If you enroll during this month, your coverage typically starts the first day of your birth month (or the month after if your birthday is on the 1st).
3 Months After Your 65th Birthday
Your Initial Enrollment Period continues for three months after you turn 65. Warning: Enrolling during these months may delay your coverage start date.
What If You Miss Your Window?
If you miss your IEP and don't have creditable coverage, you'll have to wait until the General Enrollment Period (January 1 - March 31), and you may face late enrollment penalties for Part B that last your lifetime.
Understanding Medicare Parts
Medicare has different parts that cover different services
Part A
Hospital Insurance
- Hospital stays
- Skilled nursing facility care
- Hospice care
- Some home health care
- Usually premium-free if you worked 40+ quarters
Part B
Medical Insurance
- Doctor visits
- Outpatient care
- Preventive services
- Medical equipment
- Monthly premium required (2025: $185)
Part C
Medicare Advantage
- Alternative to Original Medicare
- Includes Part A and B
- Often includes Part D
- May include dental, vision, hearing
- Offered by private companies
Part D
Prescription Drug Coverage
- Prescription drug coverage
- Offered by private companies
- Variable premiums and coverage
- Helps lower drug costs
- Penalties apply if you delay enrollment
6 Costly Medicare Mistakes to Avoid
Learn from others' experiences and protect yourself from these common errors
❌ Mistake #1: Missing Your Enrollment Deadline
Missing your Initial Enrollment Period can result in a 10% late penalty for Part B for each 12-month period you were eligible but didn't enroll. This penalty lasts your lifetime.
❌ Mistake #2: Not Understanding Your Current Coverage
If you have employer coverage, you may not need to enroll in Part B immediately. However, you must understand if your coverage is "creditable" and how to transition properly.
❌ Mistake #3: Assuming Medicare Covers Everything
Original Medicare doesn't cover dental, vision, hearing aids, or long-term care. You may need supplemental coverage (Medigap) or Medicare Advantage to fill these gaps.
❌ Mistake #4: Not Comparing All Your Options
Medicare Advantage, Medigap, and Original Medicare with Part D each have pros and cons. What works for your neighbor might not work for you. Compare carefully based on YOUR needs.
❌ Mistake #5: Choosing Based on Price Alone
The lowest premium plan isn't always the best value. Consider total costs including deductibles, copays, and out-of-pocket maximums. Also check if your doctors are in-network.
❌ Mistake #6: Not Getting Expert Guidance
Medicare decisions are complex and mistakes are costly. Working with an independent broker costs you nothing—we're paid by the insurance companies, not by you.
Your Medicare Enrollment Checklist
Stay organized and ensure you don't miss any important steps
Determine your Initial Enrollment Period - Mark the 7-month window on your calendar
Review your current health coverage - Understand how it coordinates with Medicare
Make a list of your doctors and medications - Ensure they're covered under any plan you consider
Compare Medicare Advantage vs Original Medicare + Medigap - Understand the differences and what works for you
Research Part D prescription drug plans - Find the plan that covers your medications at the best price
Schedule a consultation with an independent broker - Get personalized guidance at no cost to you
Enroll during your Initial Enrollment Period - Avoid penalties and coverage gaps
Ready to Make the Right Medicare Decision?
Schedule your free, no-obligation consultation today. As an independent broker, I work for YOU—not the insurance companies. I'll compare plans from all major carriers to find the best fit for your needs and budget.