Turning 65 in Illinois
Your Medicare checklist for turning 65
Your Initial Enrollment Period lasts seven months, centered on your 65th birthday. Enrolling on time protects you from lifelong late penalties and gaps in coverage.
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Timeline
Step-by-step enrollment timeline
- 1
6 months before 65
Gather your current coverage details, doctors and prescriptions. Decide whether you'll keep working and keep employer coverage.
- 2
3 months before 65
Your 7-month Initial Enrollment Period opens. Enroll in Part A and Part B through Social Security.
- 3
1–2 months before 65
Compare Medigap, Medicare Advantage and Part D options. Apply so coverage starts on your birthday month.
- 4
Your birthday month
Coverage can begin the first day of this month if you enrolled early.
- 5
Up to 3 months after
Your enrollment window closes. Enrolling late can delay coverage and trigger penalties.
- 6
Within 6 months of Part B
Your Medigap Open Enrollment Period — guaranteed acceptance regardless of health.
FAQ
Turning 65 questions
What is the Part B late enrollment penalty?+
If you don't sign up for Part B when first eligible and don't have qualifying employer coverage, your Part B premium can increase 10% for each full 12-month period you could have had it. The penalty usually lasts for life.
Do I need Medicare if I'm still working at 65?+
If you or your spouse have group coverage from an employer with 20 or more employees, you may be able to delay Part B without penalty. Talk to us before deciding.
How long is the Initial Enrollment Period?+
Seven months: three months before your 65th birthday month, the birthday month itself, and three months after.
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