Turning 65 is the big one. Get the timing right and Medicare is smooth; miss a window and you can face lifelong penalties. Here's your Arizona checklist.
Your Initial Enrollment Period (the 7-month window)
It starts 3 months before your 65th birthday month, includes your birthday month, and runs 3 months after — 7 months total. Enrolling in the first 3 months means coverage can start the month you turn 65.
Step-by-step
- 3-6 months before 65: Decide if you'll take Part B now. If you (or a spouse) are still working with employer coverage, you may be able to delay without penalty — let's confirm your situation.
- Sign up for Part A (and Part B): Through Social Security, online or by phone. Part A is premium-free for most people.
- Choose your coverage path: Original Medicare + Medigap + Part D, or an all-in-one Medicare Advantage plan. Here's how they compare.
- Check your doctors & prescriptions: Before enrolling, make sure your providers and medications are covered. I do this with you, free.
- Enroll & confirm: Lock in your plan and keep your confirmation. I'll be your contact going forward.
Avoid these penalties
Part B: if you don't enroll when first eligible (and don't have qualifying coverage), you can owe a 10% surcharge for each full year you delayed — for life. Part D: going without creditable drug coverage adds 1% of the national base premium ($38.99 in 2026) per month, also long-term. Use the calculators on the home page to estimate.
Already past 65 or retiring later?
You may qualify for a Special Enrollment Period when you lose employer coverage. The rules are specific, so give me a call and we'll make sure you don't miss a deadline.
Frequently asked
Do I have to sign up for Medicare at 65 if I'm still working?
Not always. If you have qualifying employer coverage, you may be able to delay Part B without penalty and enroll later through a Special Enrollment Period. The details depend on your employer's size and plan — worth a quick call to confirm.
When does my coverage start?
If you enroll in the first 3 months of your Initial Enrollment Period, coverage generally starts the month you turn 65. Enrolling later can push your start date back.
What does it cost to get your help with all this?
Nothing. My guidance is free, and enrolling through me never costs more than going direct.