I’m turning 65 … now what?

Turning 65 is an exciting milestone, but it also brings an important question: “Where do I start with Medicare?” If that sounds familiar, you’re not alone. Medicare can feel confusing at first, but with the right information and a little guidance, the process becomes far clearer.

As a local, independent insurance agent specializing in Medicare here in Northeast Florida, I hear the same thing from people beginning the enrollment process: “I just want someone to explain this in plain English!” So, let’s walk through the basics together, step by step.

Step 1: Know When to Enroll Your first enrollment window is called your Initial Enrollment Period (IEP). It lasts seven months — three months before your 65th birthday, your birthday month, and three months after. Most people enroll in Medicare Part A (hospital coverage) and Part B (medical coverage) during this time.

If you’re still working and have employer health coverage, your enrollment rules may differ. In that case, it can help to talk with your HR office or a licensed agent to determine whether delaying Part B makes sense.

Step 2: How to Sign Up for Medicare Many people think the sign-up process is complicated, but the steps are straightforward. There are two primary ways to enroll.

• Visit Your Local Social Security Office: The Social Security Administration manages Medicare enrollment. You can schedule an appointment or walk in. A representative will answer questions and help complete your enrollment, which can be especially helpful if you’re deciding whether to delay Part B or transition from employer coverage.

• Enroll Online at Medicare.gov: If you prefer a quick and convenient option, you can enroll online at www.Medicare.gov. You’ll follow the prompts and receive written confirmation after submitting your application.

Step 3: Choose How You Want to Receive Your Coverage While Medicare Parts A and B provide a strong foundation, they do not cover everything. Many people choose to add additional coverage to help manage out-of-pocket costs. After enrolling in Parts A and B, most people choose one of two options.

• Option 1: Original Medicare + a Medicare Supplement (Medigap) With this option, Original Medicare remains your primary coverage. A separate Medicare Supplement plan helps pay certain costs that Medicare does not cover. You can see any doctor nationwide who accepts Medicare, and these plans do not use provider networks. Because there are no network restrictions, this option may be preferred by people who want the flexibility to see any provider who accepts Medicare.

• Option 2: Medicare Advantage (Part C) Medicare Advantage plans are offered by private insurance companies that contract with Medicare. When you enroll in one, your Medicare benefits are administered by the private insurer rather than through Original Medicare. These plans combine hospital and medical coverage and may also include prescription drug coverage. Medicare Advantage plans use provider networks, so you generally need to see doctors and hospitals within that network, and some plans require referrals to see specialists. Costs and rules vary by plan.

Step 4: Get Personal Guidance — You Don’t Have to Do This Alone Working with a licensed independent insurance agent who specializes in Medicare costs you nothing and can help you review your options. A knowledgeable agent can walk you through the differences between plans, help you compare structures, and make the process feel far less overwhelming.

A New Chapter, Made Simple With the right guidance and a clear understanding of your options, Medicare becomes much easier to navigate. If you’d like help reviewing your choices or understanding what to do next, I’m always here to assist. You can reach me at 904-222-1619 or john@jdilloninsurance.com.

John Dillon is a Licensed Insurance Agent with Dillon Insurance Solutions.