6
6 Months Before
- Learn Medicare basics
- Review employer coverage
- Gather your prescription list
- Identify preferred doctors
Helpful resources
Prepare with confidence.
Use this simple timeline and get answers to common Medicare questions.
Turning 65 Checklist
3
3 Months Before
- Compare Advantage vs. Medigap
- Check Part D drug coverage
- Review costs and networks
- Begin enrollment planning
1
1 Month Before
- Finalize your Medicare choices
- Enroll in Parts A and B, if needed
- Select Advantage, Medigap, or Part D
✓
After Enrollment
- Set up your Medicare online account
- Review plan benefits
- Schedule annual check-ins
Your next chapter
Cruising into 65—Fun in the Sun!
Good coverage helps you spend less time worrying and more time enjoying the life you planned—whether that means staying organized, traveling, golfing, or relaxing with the people you love.
Frequently Asked Questions
When should I start preparing for Medicare?
About six months before turning 65.
Do I have to enroll if I’m still working?
Not always. Michelle helps you compare employer coverage with Medicare.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage plans provide Medicare-covered services through private plans and may include additional benefits. Medigap policies work with Original Medicare and may help pay certain out-of-pocket costs. Availability, costs, networks, and benefits vary.
Can I change my Medicare plan later?
Yes, during Annual Enrollment or certain Special Enrollment periods.
Does ACA coverage affect Medicare?
Marketplace financial assistance generally ends when you become eligible for premium-free Medicare Part A. Coordinate the end of Marketplace coverage with the start of Medicare to avoid a coverage gap or possible tax-credit repayment.
Is your guidance free?
There is no charge to you for Michelle’s assistance. If you enroll in a plan, she may receive compensation from the insurance carrier.