Turning 65 Soon? Here's Your Medicare Timeline

Turning 65 is an exciting milestone — and it also means it's time to start thinking about Medicare. Here's a simple timeline to help you know what to expect and when.

Your Initial Enrollment Period

Your Initial Enrollment Period is a 7-month window centered around your 65th birthday: it starts 3 months before your birth month, includes your birth month, and continues 3 months after.

A simple timeline

• 3 months before your birthday: Start learning your options and gathering questions

• Your birthday month: This is often the ideal time to enroll to avoid coverage gaps

• Up to 3 months after: You can still enroll, but coverage may be delayed

• Missed your window? A Special Enrollment Period may still apply depending on your situation

Getting started early means less stress and more time to make a confident decision. If you're approaching 65 or know someone who is, we're happy to walk through the timeline together — no pressure, just clarity.