Turning 65? Here's the calm version of Medicare.
A step-by-step roadmap, what to bring, and the enrollment windows that actually matter.
Four steps from now to enrolled.
3 months before 65
Initial Enrollment Period opens. Learn the basics of Parts A, B, C, and D.
Decide your route
Original Medicare + Medigap + Part D, or Medicare Advantage that bundles benefits.
Birthday month
Coverage typically begins the first of your birthday month if you enrolled early.
First year & beyond
Review annually during AEP (Oct 15 – Dec 7). Adjust as your life changes.
What to gather
- Your Medicare card or Social Security info
- Current doctors and preferred hospitals
- Prescription list (name, dosage, frequency, pharmacy)
- Any current insurance ID cards
- Questions about cost, travel, or specialty care
The four windows to know
Initial Enrollment Period (IEP)
The 7 months around your 65th birthday — 3 before, your birthday month, and 3 after.
Annual Enrollment Period (AEP)
Oct 15 – Dec 7 each year. Switch plans for the next calendar year.
Medicare Advantage Open Enrollment
Jan 1 – Mar 31. One switch allowed if you're already in Medicare Advantage.
Special Enrollment Periods (SEPs)
Triggered by qualifying events: move, loss of coverage, qualifying for Extra Help, etc.
This is general education, not personal advice. Your specific situation may qualify for additional rules or windows. We'll review yours together.
- Licensed Medicare ProfessionalHampton Roads, VA
- Education-FirstNo-pressure conversations
- Community-CenteredWorkshops & speaking
- Caregiver-FriendlyBring family or a friend
A simple, no-pressure path.
- 1
Book
Pick a time that works — phone or in person.
- 2
Quick intake
A few questions about doctors, prescriptions, and budget.
- 3
Review options
Plain-language comparison of the plans that fit you.
- 4
Next steps
Enroll if you're ready, or take notes home — no pressure.
Ready for clarity on your Medicare options?
A 30-minute conversation — phone or in person, on your schedule.