Turning 65 brings a few important Medicare decisions, but you do not have to make them all at once. A simple checklist can help you understand when to enroll, what coverage you already have, and which details to compare before you choose.
Use these seven things to review as a starting point. Your next steps may depend on your work status, current insurance, Social Security benefits, and healthcare needs.
1. Mark your seven-month Initial Enrollment Period
Your Initial Enrollment Period (IEP) generally lasts seven months: the three months before your 65th birthday month, your birthday month, and the three months after it.
For example, if your birthday is in October, your IEP generally runs from July through January. If you sign up in the three months before your 65th birthday month, coverage generally starts the first day of your birthday month. If you sign up during your birthday month or the three months after, coverage generally starts the first day of the following month. If your birthday falls on the first day of a month, different timing rules may apply.
Medicare explains when coverage starts and offers a tool to check when you can sign up.
What to check: Write down your IEP dates and the date you want coverage to begin. If you are working or have other insurance, confirm how that coverage affects your enrollment timeline before delaying Part A or Part B.
2. Find out whether you’ll be enrolled automatically
Some people are automatically enrolled in Medicare Part A and Part B. This generally happens if you already receive Social Security or Railroad Retirement Board benefits at least four months before the month you turn 65. If you are not receiving those benefits, you will usually need to sign up yourself through Social Security.
Automatic enrollment in Parts A and B does not automatically select a separate Part D prescription drug plan for you. If you need Medicare drug coverage, you will need to review your options and enroll when appropriate.
What to check: Look for a Medicare card or enrollment notice in the mail. If you are unsure whether you are enrolled, or what coverage is included, confirm directly with Social Security.
3. Check whether your current coverage lets you delay Medicare
If you or your spouse are still working and have health insurance through that current employment, you may be able to delay Part B without a late enrollment penalty. The rules depend on the coverage and employer, so confirm the details with the employer’s benefits administrator.
Some coverage does not give you the same option. COBRA and retiree coverage generally do not count as active-employment coverage for the Part B Special Enrollment Period. If you are no longer in your Initial Enrollment Period, the Part B Special Enrollment Period lasts eight months, beginning the month after the employment or the job-based coverage ends, whichever comes first. That window can begin even if you choose COBRA. In other words, COBRA does not extend that window.
Retiree coverage may also coordinate with Medicare in a specific way, and may require you to have Medicare Parts A and B. Before making a change, ask how Medicare works with your coverage and whether enrolling in another plan could affect your retiree benefits.
If you contribute to a Health Savings Account (HSA), ask about the timing before enrolling in Medicare. Enrollment can affect your ability to make HSA contributions.
What to check: Ask your benefits administrator, in writing if possible:
- Is this coverage based on current employment?
- When does the coverage end, and when should I enroll in Part B?
- Is the prescription coverage considered creditable for Part D?
- Could enrolling in Medicare or another plan affect my benefits?
Medicare has additional guidance on working past 65, COBRA, and retiree insurance.
4. Review Part B and Part D timing
Late enrollment penalties are worth understanding, but they do not apply to everyone. Special Enrollment Periods and qualifying coverage can affect whether a penalty applies.
For Part B, the penalty is generally an extra 10% of the standard premium for each full 12-month period you could have had Part B but did not. It usually continues for as long as you have Part B.
For Part D, a penalty may apply if you go 63 or more consecutive days without Part D or other creditable prescription drug coverage after your initial enrollment opportunity. The penalty is generally calculated using the national base beneficiary premium and the number of uncovered months. That base amount can change each year.
What to check: If you have drug coverage through an employer, union, or another source, ask the provider whether it is creditable and keep the notice. If you are unsure whether your circumstances qualify for a Special Enrollment Period, check with Social Security or Medicare before deciding to delay.
For details, see Medicare’s information on late enrollment penalties.
5. Note your Medigap Open Enrollment Period
If you choose Original Medicare and are considering a Medicare Supplement policy, also called Medigap, mark this window on your calendar. Your one-time federal Medigap Open Enrollment Period lasts six months. It starts the first day of the month you are 65 or older and enrolled in Part B.
During this period, insurance companies generally cannot deny you a Medigap policy or charge you more because of a health problem. If you delay Part B because you have qualifying coverage through current employment, your Medigap window generally starts when you enroll in Part B, provided you are 65 or older.
After the window ends, an insurer may be able to review your health history, charge more, offer fewer choices, or deny an application, unless you have a guaranteed-issue right or other protections. The window does not automatically reopen each year.
In Oklahoma, there is also a Medicare Supplement “Birthday Rule.” It gives you a 60-day window beginning on your birthday each year to switch to a different Medicare Supplement policy with equal or lesser benefits without medical underwriting, as long as you have not had a gap in coverage greater than 90 days. It cannot be used to move to a policy with greater benefits. Because state rules can change, confirm current details with the Oklahoma Insurance Department.
What to check: Once you know your Part B start date, note the six-month period and learn what Medigap choices are available. Rules and protections can depend on your circumstances and state law. Medicare explains when you can buy a Medigap policy.
6. Check your doctors, prescriptions, and pharmacies
Before choosing coverage, gather the practical details you will need to compare options. Make a list of your doctors and clinics, the prescriptions you take, and the pharmacies you prefer.
If you are considering Medicare Advantage, check whether your doctors and hospitals participate in the plan’s network and how the plan handles referrals and out-of-network care. If you are considering Original Medicare with Medigap, review how the supplement works alongside Original Medicare and remember that prescription drug coverage is generally reviewed separately through Part D.
For drug coverage, check each medication’s formulary, pharmacy options, restrictions, and costs. Coverage details can change, so verify current information before enrolling.
7. Compare how you want to get your Medicare coverage
Medicare choices are personal. Some people compare Original Medicare with a Medigap policy and Part D coverage. Others consider Medicare Advantage. Each approach has different rules, costs, networks, and ways of covering care.
Think about what matters most to you: keeping access to particular providers, how you prefer to manage costs, prescription coverage, and whether you want a network-based plan. Compare the details for your own situation rather than relying on a general description.
What to check: Review your choices using current information, and ask questions when something is unclear. You can also explore our plain-language answers to common Medicare questions and Medicare basics explained in simple terms.
Official Medicare resources
- Medicare.gov — official Medicare information, plan and cost details.
- Medicare’s “When can I sign up?” tool — helps you check your Medicare enrollment timing.
- Medicare’s guide to avoiding late enrollment penalties — explains when penalties may apply and how qualifying coverage can affect them.
- Medicare’s “Working past 65” guidance — explains how Medicare may work with current job-based coverage.
- Medicare’s “When can I buy a Medigap policy?” page — explains Medigap enrollment timing and protections.
- Social Security Administration — apply for Medicare online.
- 1-800-MEDICARE (1-800-633-4227) — Medicare’s national help line, available 24 hours a day, 7 days a week.
Official Medicare information is available directly through these resources at no cost.
Local Medicare guidance in the Tulsa area
If you live in Tulsa, Broken Arrow, Bixby, Jenks, Owasso, or a nearby community, you are welcome to speak with Sean or Cindy at our Tulsa office at 5800 E. Skelly Dr., Suite 560, near I-44 and Yale. We help people check their Medicare enrollment timeline, review whether their doctors are included, and look at prescriptions and pharmacies against plans available in this area.
If a conversation would be helpful, you can schedule a time with Sean or Cindy. There is no obligation to enroll. You can also call us at (918) 289-2607.
Sansone Advisory Group is an independent insurance agency serving clients across Oklahoma, including Tulsa and the surrounding communities. We do not offer every plan available in your area. Currently we represent between 1 and 7 organizations which offer between 3 and 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Sansone Advisory Group is not connected with or endorsed by the U.S. government or the federal Medicare program. This article is general education, not a personalized determination of your eligibility or enrollment rights. For official guidance, visit Medicare.gov or call 1-800-MEDICARE.
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