Turning 65 TNRenee Huckaby, licensed insurance agent
Licensed in Tennessee and other states · NPN 20165711
Call or text 931-321-1411 · Email [email protected]
About 6 months before you turn 65
- Create or sign in to your Social Security account. Many people enroll in Part A and Part B there.
- List your doctors, hospitals, and prescriptions. You will need this whether you stay with Original Medicare or compare Medicare Advantage.
- If you have employer or union coverage (yours or a spouse's), ask benefits whether that plan is primary or secondary to Medicare after 65, and whether it is creditable for Part D.
- Veterans: review how VA care and any TRICARE For Life coverage work with Medicare.
3 months before your birthday month (IEP opens)
- Your Initial Enrollment Period generally opens. Use the calculator on the home page for your exact months.
- Decide whether to take Part B now. Delaying Part B without qualifying coverage can mean a late penalty and a coverage gap.
- If you want a Medigap (Medicare Supplement) policy later, note that your best guaranteed-issue window usually starts when you are 65 and enrolled in Part B.
Your birthday month and the 3 months after
- IEP continues. Signing up later in the window usually means coverage starts the first of the month after you enroll.
- Compare coverage paths with a licensed agent or at Medicare.gov.
- If you join a Medicare Advantage or Part D plan, remember Annual Enrollment (Oct 15–Dec 7) for future year changes.
Printable checklist (PDF)
Download PDFDirect download. No email required.
We do not offer every plan available in your area. Currently we represent 4 organizations which offer [select a Tennessee county — product count pending] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.