Turning 65? Medicare Doesn’t Have to Be Confusing.
Turning 65 is an important milestone, but understanding Medicare can feel overwhelming. Whether you’re retiring, still working, or already collecting Social Security, I’ll help you understand your options so you can make confident decisions about your healthcare coverage.
Your Medicare Timeline
Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period lasts seven months:
- Three months before your 65th birthday month
- Your birthday month
- Three months after your birthday month
Missing important enrollment deadlines can lead to delayed coverage or permanent penalties in some situations.
Four Questions Everyone Turning 65 Should Ask
Do I need Medicare if I’m still working?
Employer coverage and the size of your employer can affect when you should enroll.
Should I choose Medicare Advantage or a Supplement?
Both options provide valuable coverage but work differently. The right choice depends on your doctors, prescriptions, travel habits, and budget.
Will my prescriptions be covered?
Every Part D plan has its own formulary and pharmacy network. Reviewing your medications before enrolling is important.
Can I keep my doctors?
Doctor participation varies by plan. Checking your providers before enrolling can help avoid surprises.
Ready to Talk?
Every Medicare situation is different. I’d be happy to review your options and answer your questions in a one-on-one consultation.
Joseph V. Lombardo Insurance 