Turning 65 and New to Medicare
New to Medicare in 2027? Start With Your Enrollment Timeline
Your Medicare Initial Enrollment Period is generally a seven-month window centered on your 65th birthday. The right timing depends on whether you are already receiving Social Security, still working, or covered by an employer plan.
Your first Medicare decisions
- Confirm when Medicare Part A and Part B should start
- Decide whether to keep Original Medicare or consider Medicare Advantage
- Review Part D prescription drug coverage
- Consider Medigap if you plan to keep Original Medicare
- Understand how employer, retiree, VA or TRICARE coverage coordinates with Medicare
Avoid common enrollment mistakes
Do not assume you should delay Part B just because you have other coverage. The rules depend on the type of employer or retiree coverage you have. Delaying without a valid Special Enrollment Period can lead to gaps or late-enrollment penalties.
When to compare 2027 plan options
If your Medicare starts in 2027, compare available plans using your permanent address, doctors, prescriptions and preferred pharmacies. Medicare Advantage and Part D availability varies by county and service area.
When should I apply for Medicare if I am turning 65?
Your Initial Enrollment Period generally begins three months before the month you turn 65, includes your birthday month, and continues for three months after. Different timing can apply if you qualify for automatic enrollment or a Special Enrollment Period.
Do I need Medicare Part D if I take no prescriptions?
You may still want to consider drug coverage to avoid a future late-enrollment penalty unless you have other creditable prescription coverage.
Get help before your Medicare start date
Review your timing, coverage path, doctors and prescriptions with a licensed independent Medicare agent/broker.