Turning 65 Medicare Checklist: What to Do and When
Start planning 3 to 6 months before your 65th birthday. Check if you'll be auto-enrolled, decide if you need Part B now, review employer coverage rules, and consider Part D drug coverage.
Frequently Asked Questions
- How far in advance should I start planning?
- Start at least 3 months before your 65th birthday, since your Initial Enrollment Period begins 3 months before your birthday month.
- Do I need to do anything if I'm already on Social Security?
- If you've been receiving Social Security for at least 4 months, you'll be auto-enrolled. Review your options but no sign-up action is needed.
- Should I stop HSA contributions?
- If you enroll in any part of Medicare, you must stop HSA contributions. Part A can be retroactive up to 6 months, which can affect HSA timing.