Quick Answer: Turning 65 and Medicare

Your Initial Enrollment Period is a 7-month window — the 3 months before your 65th birthday, your birthday month, and the 3 months after. Most people sign up for Part A and Part B during this window to avoid lifelong late-enrollment penalties, even if they're still working.

Common questions for new-to-Medicare seniors

Do I have to enroll at 65 if I'm still working?

Not always. If you have qualifying employer coverage with 20+ employees, you can usually delay Part B without penalty — but verify with HR in writing first.

Is Part A really free?

Most people who paid Medicare taxes for 10+ years (40 quarters) get premium-free Part A. Part B has a monthly premium that varies based on income.

What happens if I miss the 7-month window?

Without qualifying coverage, you may face a permanent Part B late-enrollment penalty and have to wait for the General Enrollment Period (January–March each year).

Do I need a Medigap or Medicare Advantage plan right away?

Original Medicare alone leaves cost-sharing gaps. Most seniors add either a Medigap (Medicare Supplement) plan or enroll in Medicare Advantage during this same window — costs vary by plan and ZIP code.

How does Social Security affect Medicare enrollment?

If you're already receiving Social Security at 65, you're typically enrolled in Parts A and B automatically. Otherwise, you must actively sign up through SSA.