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Medicare Turning 65

Turning 65 soon?

This is when the big Medicare decisions get made. Get your doctors and prescriptions in front of you, and ask your questions before your window opens.

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Three questions

How can we help you?

Step 1: which coverage do you need?

Nothing here signs you up for anything. You choose what happens next.

Turning 65

Your Initial Enrollment Period

Your Initial Enrollment Period usually lasts 7 months. It starts 3 months before the month you turn 65, includes your birthday month, and ends 3 months after it.

In most cases, if you sign up in the months before your birthday month, your Part A and Part B coverage can start on the first day of your birthday month.

If you miss this window and don’t qualify for a Special Enrollment Period, you may have to wait for the General Enrollment Period, from January 1 to March 31, and you may pay a late enrollment penalty.

Manuel can walk you through Medicare Advantage and Medicare Supplement options, in English or Spanish.

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When to enroll

The enrollment year

The enrollment year A twelve-month chart of enrollment windows. Medicare Open Enrollment runs October 15 to December 7. HealthCare.gov Open Enrollment runs November 1 to January 15. The two overlap from November 1 to December 7. The Medicare Advantage Open Enrollment Period runs January 1 to March 31. both open, Nov 1 – Dec 7 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Medicare Open Enrollment Oct 15 – Dec 7 Marketplace enrollment Nov 1 – Jan 15 Medicare Advantage OEP Jan 1 – Mar 31 The enrollment year Sources: Medicare.gov and HealthCare.gov, checked September 2026 Marketplace special enrollment periods usually last 60 days after a qualifying life event. Going 63 days or more without creditable drug coverage can mean a Part D penalty. The enrollment year A twelve-month chart of enrollment windows. Medicare Open Enrollment runs October 15 to December 7. HealthCare.gov Open Enrollment runs November 1 to January 15. The two overlap from November 1 to December 7. The Medicare Advantage Open Enrollment Period runs January 1 to March 31. Shaded: both open, Nov 1 – Dec 7 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Medicare Open Enrollment Oct 15 – Dec 7 Marketplace enrollment Nov 1 – Jan 15 Medicare Advantage OEP Jan 1 – Mar 31 The enrollment year Sources: Medicare.gov, HealthCare.gov Marketplace special enrollment periods usually last 60 days. 63 days without creditable drug coverage can mean a Part D penalty.
Sources: Medicare.gov and HealthCare.gov enrollment periods, checked September 2026.

Coverage Manuel can help with

Health under 65MedicareTurning 65Medicare AdvantageMedicare SupplementDental & VisionLife insuranceFinal expenseHospital indemnityMedicare guides

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Questions

Questions people ask

Your Initial Enrollment Period usually starts 3 months before the month you turn 65 and ends 3 months after it.

It is a one-time, 6-month period that starts the first month you have Part B and are 65 or older. During it, insurance companies can’t turn you down or charge you more for a Medigap policy because of health problems.

You may have to wait for the General Enrollment Period, from January 1 to March 31, and you may pay a late enrollment penalty for as long as you have Part B. Some people qualify for a Special Enrollment Period instead.

Next step

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