Turning 65? Here's How to Enroll in Medicare and Choose the Right Medicare Supplement Plan
If you’re turning 65 soon, congratulations!
Now’s the time to get your Medicare coverage in place. This page walks you through the steps to enroll in Medicare and understand your options for Medicare Supplement (Medigap) plans to protect yourself from high out-of-pocket costs.
See Mike’s blog article on what Medicare doesn’t cover. This can save you from costly healthcare mistakes.
What Medicare Doesn’t Cover
Step-by-Step: How to Enroll in Medicare
STEP 1: Enroll in Medicare Part A and Part B
You’re eligible to enroll in Medicare starting three months before your 65th birthday. To avoid gaps in coverage, it’s best to enroll early.
✅ Enroll online at: www.ssa.gov/medicare/sign-up
Part A covers hospital stays.
Part B covers doctor visits, labs, outpatient care, and more.
STEP 2: Enrolling in Medicare Part D (Prescription Drug Plan)
You’ll want a Part D plan to help pay for medications.
👉 If you just want protection from the penalty and peace of mind, start with SilverScript SmartSaver or Humana Walmart Value Rx. Both are low-cost, widely available in most areas, and pair nicely with a Medicare Supplemental plan.
- Compare plans at Medicare.gov to find a Part D plan that fits your needs.
- Enroll online through Medicare.gov, directly with the insurance company, or by calling 1-800-MEDICARE (1-800-633-4227).
💡 Important: If you don’t enroll in Part D when first eligible and don’t have other creditable drug coverage, you may face a late enrollment penalty when you sign up later.
STEP 3: Talk to Mike About What Medicare Doesn’t Cover
Original Medicare (Parts A & B) leaves some costs uncovered — like deductibles, coinsurance, and no out-of-pocket max. That’s why most people turning 65 add a Medicare Supplement Plan (Medigap).
- Understand the gaps in Medicare coverage that can be costly.
- Know the difference between Popular Plan G & Plan N.
- Choose a Dental, Vision & Hearing benefit plan. Medicare. Original Medicare doesn’t cover most dental, vision, and hearing.
- Learn about other coverage options to cover costly care like home health care and long-term care.
- Compare & choose your plan with multiple quotes from top-rated carriers.
Let’s find the best Medicare Supplement plan for you. 😊
Schedule an appointment with Mike Brenhaug by clicking the button below or call our office at 888.383.4701.
