Start Medicare with a clear sequence

A first-enrollment checklist you can take to Social Security.

Start with this

First confirm whether you need to apply and when Part A and Part B will start. Then arrange any additional coverage you choose, using the separate enrollment rules for each part.

Keep these nearby

The month you turn 65, any Medicare enrollment letter or card, and details of any current work coverage.

Your next three steps

Tick a step when you have completed it. These ticks stay only on this page.

Check whether you will be enrolled automatically or need to apply. Your Medicare card or Social Security can confirm the effective dates.
For age-65 enrollment, the initial window generally covers seven months: three before your eligibility month, that month and three after. A birthday on the first changes the timing; disability and other circumstances have different rules.
Confirm Part A and Part B timing first, then review drug coverage and how you want to receive benefits. If considering Medigap, ask about its separate purchase rights before a deadline passes.

Words you can use

Start the conversation

“Do I need to apply, when can my coverage start, and what else needs to be arranged so there is no unintended gap?”

Check the official guidance

Medicare.gov: when to sign up ↗

Source checked September 9, 2026. Educational preparation; the responsible agency or plan must confirm your situation.

Notes for your conversation

Who I spoke with: ____________________ Date: ______________

Answer / next step: ___________________________________________

Follow-up date: ______________________________________________