What to do 6 months before turning 65?

Six months before turning 65, start planning your Medicare enrollment even though you can't sign up yet. Your Initial Enrollment Period opens three months before your 65th birthday month and runs for seven months total, ending three months after. Use this time to decide whether you'll take Part A and Part B. If you're still working with employer coverage, check whether you should delay Part B to avoid paying for coverage you don't need. Miss your seven-month window, and you may face a lifelong late enrollment penalty on Part B. The 2026 Part B premium is $202.90 per month. Also review your prescriptions and doctors so you're ready to pick a plan. Call me at 855-559-1700 and I'll walk you through your options.