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.