Turning 65 is a milestone—and for most Michigan residents, it also marks the time to enroll in Medicare. Whether you’re retiring soon or still working, the decisions you make now can impact your health coverage for years to come. Use this quick checklist to make sure you’re on track.
1. Mark Your Medicare Enrollment Window
You have a 7-month enrollment window: three months before your 65th birthday, your birth month, and three months after. Enroll early if possible, especially in rural areas of West Michigan where plan access or paperwork delays could be more common.
2. Decide if You Need to Sign Up for Part A & Part B
If you’re already receiving Social Security, you’ll be auto-enrolled in Parts A and B. If not, you’ll need to sign up manually through the Social Security Administration. If you’re still working and have employer coverage, talk to an advisor to determine if you should delay Part B.
3. Compare Medicare Advantage vs. Medigap
Do you want a Medicare Advantage plan with built-in drug coverage and extra benefits? Or a Medigap policy paired with a separate Part D drug plan for more flexibility? If you're in communities like Sparta, Muskegon, or Grand Rapids, you’ll want to review which options are available in your ZIP code.
4. Choose a Prescription Drug Plan (Part D)
Even if you don’t take medications now, skipping Part D can lead to penalties later. You can choose a standalone Part D plan if you go with Medigap, or select a Medicare Advantage plan that includes drug coverage.
5. Avoid Late Penalties
Missing your Medicare deadlines can lead to permanent penalties. If you're unsure whether your current coverage counts as “creditable,” ask us—we’ll check for you. This is especially important if you’re delaying retirement.
Quick Enrollment Tips:
- Enroll in Part A even if you’re still working—it’s usually free
- Review plan networks for your doctors, especially in smaller towns
- Double-check drug coverage for your specific prescriptions
- Get help comparing local plans—it’s not one-size-fits-all
Need Personalized Help Enrolling in Medicare in Michigan?
At Quality Choice Insurance, we guide you step-by-step through Medicare enrollment. Whether you live in Sparta, Kent City, Rockford, or anywhere in West Michigan, we’ll help you understand your timeline, compare plans, and enroll with confidence. Our consultations are no-cost and pressure-free.
Have questions about signing up for Medicare at 65?
Contact us today to schedule your free Medicare enrollment review. We’ll make sure you don’t miss a thing.