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Turning 65 brings new questions about Medicare, health coverage, and retirement planning. This page provides helpful information and clear next steps so you can feel confident about your options.
If you're 64 or older, you're in the right place, what happens now?
If you're 64 or older, you're in the right place, what happens now?
Medicare Begins
Medicare Begins
Whether you’re retiring or still working, you’ll make Medicare choices, waiting to do so will cost you money in penalties.
Insurance Needs Change
Insurance Needs Change
Your primary insurance may shift from employer plans to Medicare. Life insurance needs may change too.
Retirement Planning Kicks In
Retirement Planning Kicks In
Social Security, income planning, and long-term protection become more important.
Your Medicare Roadmap
Your Medicare Roadmap
Step 1: Decide if you’re retiring at 65 or still working
Step 1: Decide if you’re retiring at 65 or still working
This impacts whether you enroll in Medicare immediately or delay Part B.
Step 2: Enroll in Original Medicare (Part A & B)
Step 2: Enroll in Original Medicare (Part A & B)
You can enroll through Social Security online, by phone, or in person.
Step 3: Explore Your Coverage Options
Step 3: Explore Your Coverage Options
You can choose between:
Medicare Advantage (Part C)
Medicare Supplement (Medigap) + Part D
We can review available options and help you compare them.
Step 4: Review Your Current Needs
Step 4: Review Your Current Needs
We’ll look at prescriptions, doctors, budget, and lifestyle to help you compare plan types.
Step 5: Schedule Your Review
Step 5: Schedule Your Review
We’ll walk through your questions and help you understand the options available.
Life Insurance at 65
Life Insurance at 65
Some people keep coverage to support a spouse, cover final expenses, or leave a legacy. Others choose smaller policies or discontinue coverage based on their situation.
We can help you review your goals and see what fits.
Social Security Basics
Social Security Basics
Many people have questions about timing and benefits.
While we don't provide Social Security advice, we can help you prepare questions to discuss with SSA.
What to Bring to Your Medicare Review
What to Bring to Your Medicare Review
Prescription list
Preferred doctors
Medicare ID (if received)
Current insurance information
Retirement timeline
Your questions
We do not offer every plan available in your area.
Any information we provide is limited to the plans we do offer in your area.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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