5 Medicare Mistakes to Avoid Before You Turn 65

Turning 65 triggers a Medicare enrollment window that’s easy to misjudge. Missing key deadlines or picking the wrong plan can mean lifelong penalties or gaps in coverage right when you need it most.

Don’t Wait Until the Last Minute

Your Initial Enrollment Period starts three months before your birthday month and ends three months after. Enrolling late can trigger a permanent premium penalty on Part B.

Supplement vs. Advantage

Original Medicare with a supplement gives you broad access to providers, while Medicare Advantage often bundles extra benefits at a lower monthly cost with a narrower network. The right fit depends on your health needs and how often you travel.