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
Or call Social Security at 1-800-772-1213.
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)
- 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).
- Work with a licensed insurance agent to review your options and enroll.
💡 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: Understand What Medicare Doesn’t Cover
Original Medicare (Parts A & B) doesn’t cover everything. You’ll still have deductibles, coinsurance, and no cap on out-of-pocket costs. That’s why most people turning 65 add a Medicare Supplement Plan (Medigap).
As an independent broker, I have several Medicare plan providers to choose from. Would you like help finding the right plan? 😊
Schedule an appointment with Mike Brenhaug for assistance or call our office at 888.383.4701.
