Medicare Enrollment: Don’t Miss Out at 65
Turning 65 is a big milestone and if you’re in Prescott, AZ, it’s also the time to get serious about your Medicare enrollment. With multiple plan options, strict enrollment deadlines, and the potential for lifetime penalties, making the right choices can feel overwhelming.
But don’t worry. Whether you’re retiring soon or continuing to work, this guide will walk you through everything you need to know about enrolling in Medicare at 65 and how a local expert like Ed McMahan can help you avoid costly mistakes and find the perfect plan.
What Is Medicare and When Does It Start?
Medicare is the federal health insurance program for:
- People age 65 and older
- Certain younger individuals with disabilities
- People with End-Stage Renal Disease (ESRD)
Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday, includes your birthday month, and lasts 3 months after—for a total of 7 months.
✅ Example: If you turn 65 in August, your enrollment window is May 1 to November 30.
What Are the Parts of Medicare?
Before choosing a plan, you need to understand the basic components of Medicare:
- Part A (Hospital Insurance)
Covers hospital stays, skilled nursing, and hospice
Usually free if you or your spouse paid Medicare taxes
- Part B (Medical Insurance)
Covers doctor visits, outpatient care, labs, and preventive services
- Part C (Medicare Advantage)
An all-in-one alternative to Original Medicare
Combines Parts A & B, often includes Part D (prescription drug coverage)
May include extra benefits like dental, vision, and hearing
- Part D (Prescription Drug Coverage)
Covers prescription medications
Available as a standalone plan or included in many Advantage plans
- Medigap (Medicare Supplement Insurance)
Fills the “gaps” in Original Medicare
Covers things like copays, coinsurance, and deductibles
Do You Need to Enroll Yourself?
It depends on your situation.
Already receiving Social Security?
You’ll be automatically enrolled in Parts A & B.
Not receiving Social Security?
You must sign up yourself via Social Security at ssa.gov/medicare.
Still working and covered by employer insurance?
You may be able to delay Part B without penalty—but only if your employer coverage is credible. It’s best to speak to a local Medicare broker to avoid penalties.
What Happens If You Miss the Enrollment Window?
If you delay signing up for Medicare Part B or Part D without creditable coverage:
- You could face lifetime late penalties
- You may have limited plan choices
- You’ll be forced to wait for the next General Enrollment Period
Many people make costly mistakes by assuming they can delay enrollment or choose any plan at any time. Don’t let that be you.
Why Working with a Local Medicare Broker in Prescott Matters
Choosing a Medicare plan isn’t just about comparing prices. It’s about
- Making sure your doctors and medications are covered
- Picking a plan that fits your budget and lifestyle
- Understanding what changes every year
- Avoiding network limitations or referral requirements
That’s where Ed McMahan Medicare Insurance comes in. As a trusted local broker in Prescott, AZ, Ed helps you:
- Explore all your options. (Original Medicare, Medigap, Advantage, Part D)
- Compare plans from multiple insurance companies
- Enroll without stress or confusion
Whether you’re ready to enroll or simply want expert guidance, Ed McMahan is here to help. Based right in Prescott, AZ, Ed provides honest, no-pressure support to help you make the best decision.
📍Ed McMahan Medicare Insurance in Prescott, 3623 Crossings Dr, Ste. 277, Prescott, AZ 86305
📞 (928) 379-0172
📧 edmcmahan2020@gmail.com
Pro Tips for Turning 65 and Starting Medicare
✔ Start Early
Begin reviewing your options 3-6 months before your birthday. It gives you time to make informed decisions and avoid delays.
✔ Don’t Skip Part D
Even if you don’t take prescriptions now, you’ll need a drug plan to avoid late penalties later.
✔ Consider Your Travel Habits
If you travel often or live part of the year outside Arizona, Medigap might offer better flexibility than an Advantage plan.
✔ Review Annually
Medicare plans change every year. Use your Annual Enrollment Period (Oct 15 – Dec 7) to review or switch if needed.
Frequently Asked Questions
Do I need to enroll in Medicare if I’m still working at 65?
Maybe. If your employer has 20+ employees and you have credible coverage, you might delay Part B. But it’s smart to review your specific situation with a local broker like Ed McMahan to avoid penalties.
What if I already have VA or TRICARE benefits?
You can still enroll in Medicare—and in most cases, it’s strongly recommended. Medicare can work with VA or TRICARE to provide more complete coverage.
Can I switch plans after I enroll?
Yes, during specific windows like:
- Annual Enrollment (Oct 15–Dec 7)
- Medigap Open Enrollment (within 6 months of Part B)
- Special Enrollment Periods (based on qualifying events)
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage combines everything into one plan but may have networks and copays. Medigap pairs with Original Medicare and gives more provider freedom and predictable costs.