How to enroll in Medicare when you turn 65: A Step-by-Step Guide

Turning 65 is an important milestone, and with it comes the opportunity to enroll in Medicare, the health insurance program that guarantees access to essential medical services. If you are close to reaching this age, it is important to know the key steps to enroll in Medicare without complications.

When should you enroll in Medicare?

The initial enrollment period begins three months before the month of your 65th birthday, includes the month of your birthday, and ends three months after your 65th birthday. This seven-month period is your best opportunity to enroll and avoid possible late enrollment penalties.

Steps to enroll in Medicare

1. Determine if enrollment is automatic
   Includes coverage for hospital stays, skilled nursing facility care, and hospice care. Most people pay no premiums for this part if they have contributed to Medicare for at least 10 years.
   
2. Register manually if necessary
   If you are not receiving Social Security benefits, you will need to manually enroll in Medicare. You can do this through the following options:
   
   • Online at the Social Security Administration's website (www.ssa.gov).
   • Calling 1-800-772-1213.
   • Visiting a local Social Security office.
     
3. Choose the coverages you need
   Medicare offers different parts that cover different needs:
   
   • Part A (Hospitalization): Generally free of charge for the majority.
   • Part B (Medical Services): Requires a monthly premium.
   • Part C (Medicare Advantage): Combines Parts A and B and offers additional benefits.
   • Part D (Prescription Drugs): Helps cover the cost of necessary medications.
     
     Decide whether you will choose Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) that fits your needs.
     
4. Consider a supplemental or Part D plan
   If you choose Original Medicare, you can add a prescription drug plan (Part D) and a supplemental plan (Medigap) to cover additional expenses.
   
5. Review costs and compare plans
   Research the options available in your area and compare costs such as premiums, deductibles and co-payments to make sure you are choosing the best option for your budget and medical needs.
   

Avoid fines for late registration

It is crucial to enroll at the right time, as late enrollment in Medicare Part B or Part D can result in permanent penalties that increase your long-term costs.

The support of Avila Medicare Solutions

At Avila Medicare Solutions, we are here to guide you through the Medicare enrollment process, making sure you understand your options and choose the right plan. Our team is committed to making your experience simple and stress-free.

Call us at 855-GO-AVILA or send an e-mail to info@goavila.com to receive personalized assistance. Your peace of mind and health are our priority.