Turning 65? Here’s What to Know About Medicare and Your Next Steps
If you're turning 65, it's time to start thinking about Medicare. You don’t have to figure it all out on your own — but it helps to understand the basics and your key deadlines. Let’s break it down so you can feel confident about what to do next.
What Is Medicare?
Medicare is a federal health insurance program for people 65 and older and for some younger people with certain disabilities.
There are several parts of Medicare:
Part A covers hospital care
Part B covers doctor visits and outpatient services
Together, A and B make up Original Medicare
You can also choose to enroll in a Medicare Advantage plan (Part C), which is offered by private insurance companies approved by Medicare. These plans often include drug coverage and extra benefits like dental, vision, and hearing.
Part D covers prescription drugs and can be added to Original Medicare or included in many Medicare Advantage plans.
When Can You Enroll?
Most people first become eligible during their Initial Enrollment Period (IEP). This is a 7-month window that includes:
3 months before your 65th birthday
Your birthday month
3 months after your birthday month
If you miss your IEP, you might have to wait until the General Enrollment Period (Jan 1 – Mar 31) and could face penalties. However, there are Special Enrollment Periods (SEPs) for people who qualify due to other coverage or life events.
Why Work with a Licensed Agent?
Choosing a Medicare plan can feel overwhelming. That’s where a licensed insurance agent can make a big difference.
Agents explain your options clearly
They help you compare plans based on your needs
They make sure you don’t miss key deadlines
There’s no cost and no obligation to speak with an agent
Otis Freison is a licensed insurance agent and an experienced partner of UnitedHealthcare®, one of the most trusted names in Medicare coverage. He helps people like you every day — and he’s here to help you, too.
How Otis Can Help
When you meet with Otis, here’s what you can expect:
✅ A friendly, local expert who listens
✅ A clear explanation of your Medicare choices
✅ Help selecting a plan that fits your health and budget
✅ A simple, no-pressure experience
Whether you're still working or fully retired, Otis can help you find the right plan — and avoid common mistakes that could cost you later.
Ready to Talk?
Medicare doesn’t have to be confusing. Let’s make it simple.
📞 Call or text Otis at (720) 220-5292
📅 Or schedule your free consultation here
--Licensed insurance agent. No cost, no obligation to enroll.
Frequently Asked Questions (FAQs)
When should I start thinking about Medicare if I'm turning 65 soon?
Ideally, you should begin exploring your Medicare options at least 3 months before your 65th birthday. This gives you time to learn about your choices and enroll during your Initial Enrollment Period.
What happens if I miss my Initial Enrollment Period?
If you don’t sign up during your Initial Enrollment Period, you may have to wait for the General Enrollment Period and could face late penalties — unless you qualify for a Special Enrollment Period.
Do I need Medicare if I’m still working at 65?
It depends on your situation. If you have employer coverage, you may be able to delay Medicare Part B without penalty — but it’s important to speak with a licensed agent to make sure you meet the rules.
What’s the difference between Original Medicare and Medicare Advantage?
Original Medicare includes Part A and Part B. Medicare Advantage (Part C) is an alternative offered by private companies that includes the same benefits, often with added coverage like dental or vision. Otis can help you compare both.