New to Medicare
Turning 65? See your exact enrollment dates.
Medicare gives you a 7-month window around your 65th birthday — miss it and the penalty can follow you for life. Enter your birthday month and we'll map your personalized timeline, step by step. Free, no plan names, no pressure.
Your personalized enrollment timeline
Tell us when you turn 65 — your birth date stays in your browser and is never sent anywhere unless you ask us for a reminder.
Your state's full new-to-Medicare guide
Have a question before your birthday?
Plan-specific questions (which doctors, which drugs, which path) are best answered one-on-one — free, and with no obligation.
Common questions
When does my Medicare enrollment window open if I am turning 65?
Your Initial Enrollment Period is 7 months long: the 3 months before your 65th-birthday month, your birthday month, and the 3 months after. Enrolling in the 3 months before your birthday means coverage can start the first of your birthday month.
What happens if I miss my Initial Enrollment Period?
If you do not have other qualifying coverage and miss your IEP, you may pay a Part B late penalty of 10% for each full 12 months you delay — for life — plus a Part D late penalty. That is why timing matters, and why a quick free review before your birthday pays off.
Do I have to take Medicare at 65 if I am still working?
Not always. If you have creditable coverage through an employer (generally 20+ employees), you can often delay Part B and Part D without penalty and get a Special Enrollment Period when you retire. The rules are specific — we will check whether your coverage counts.