Step 1: Know when you’re eligible

New to Medicare?

Understanding your Medicare eligibility is the first step toward making confident, informed decisions.

Your Initial Enrollment Period

3 months before + your birthday month + 3 months after

When you can enroll in Medicare

Your path to Medicare, step by step

Your situation determines what happens automatically and what requires action. Follow the path below, then talk with us if you’re unsure.

You become eligible

Your seven-month window begins

You’re first eligible for Medicare during the three months before the month you turn 65, your birthday month, and the three months after.

You can begin reviewing coverage before your 65th birthday.
The month you enroll can affect when coverage starts.
Starting early gives you time to compare doctors, prescriptions, and costs.

Remember

This is your seven-month Initial Enrollment Period, or IEP.

Parts A and B

Enrollment may be automatic

If you start receiving Social Security benefits at least four months before turning 65, you’ll generally be enrolled automatically in Medicare Parts A and B.

Part A helps cover inpatient hospital care.
Part B helps cover doctor visits and outpatient services.
If you are not receiving Social Security benefits, you may need to sign up yourself.

Watch your mail

Your Medicare welcome package and card should arrive about three months before coverage starts.

If you’re still working

Employer coverage can affect your timing

You may be able to delay Part B if you have creditable employer coverage. When that coverage ends, you may qualify for a Special Enrollment Period.

Ask whether your current medical and drug coverage is creditable.
Coverage through a spouse’s active employment may also affect your timing.
Keep copies of coverage notices in case Medicare requests proof later.

Confirm first

Check with your employer or benefits administrator before delaying coverage.

Part D and Medicare Advantage

These plans require active enrollment

You must actively enroll in prescription drug coverage (Part D) and/or a Medicare Advantage plan (Part C) during your Initial Enrollment Period.

Part D plans differ in the medications and pharmacies they cover.
Medicare Advantage plans may combine hospital, medical, and drug benefits.
Compare premiums, copays, provider networks, and annual out-of-pocket limits.

Don’t miss it

Missing this window may result in late-enrollment penalties.

One final reminder

Enroll on time and ask questions

Enrolling on time helps you avoid gaps in coverage and potential penalties, setting you up for a smoother Medicare experience.

Review your enrollment dates before current coverage ends.
Confirm your chosen plan includes your doctors and prescriptions.
Keep your Medicare card and plan documents in a safe place.

You’re not alone

Wisconsin Advantage is here to guide you through every step.

Enrollment rules depend on your situation. Confirm your dates with Medicare.gov or Social Security.

Before you enroll

Three details worth checking

A quick review now can prevent expensive surprises later.

Your current coverage

Confirm whether employer, retiree, or other health coverage is considered creditable for Medicare.

Your doctors and prescriptions

Make a list of the providers you use and medications you take before comparing plans.

Your important dates

Write down your eligibility month and the last day of any current employer coverage.

No-cost consultation

Let’s make Medicare feel manageable.

Talk with a local Wisconsin advisor about your questions, your timeline, and the coverage options available to you.

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Friendly, personal help—without a consultation fee.

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