3 Months Before Your Birthday
- Confirm whether you'll enroll in Part A and/or Part B
- Check if your employer coverage requires you to delay Part B
- Gather Social Security number, employment history, and current insurance details
Your Birthday Month
- Enroll through SSA.gov or your local Social Security office if not auto-enrolled
- Start comparing Medicare Advantage, Medigap, and Part D options
- Confirm your preferred doctors accept Medicare or are in-network
After Enrollment
- Review your first Explanation of Benefits
- Mark your calendar for the next Annual Enrollment Period
- Keep records of all enrollment confirmations
Key Takeaways
- Start preparing at least 3 months before your 65th birthday.
- Confirm whether employer coverage changes your enrollment timeline.
- Compare plan types before your Initial Enrollment Period closes.
This checklist is a general guide. Individual circumstances — including employer coverage and disability status — can change these steps.
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