When should I start reviewing Medicare before I turn 65?

Many people begin three to six months before their birthday month so they have time to understand enrollment deadlines and compare options.

What if I am still working at 65?

Employer coverage can affect your enrollment timing. It is important to review the size of the employer plan and whether delaying Part B is appropriate.

Do I need Part D right away?

That depends on whether you have other creditable prescription coverage. A review may help you avoid late-enrollment issues.

Can my daughter or son join the review call?

Yes. Caregivers and family members are welcome to join the conversation.

Does this form enroll me in anything?

No. Submitting this form connects you with a licensed advisor. No enrollment happens without your separate, explicit consent.

Turning 65 and Medicare — What to do, when, and why it matters

Your Initial Enrollment Period is the seven months around your 65th birthday. During that window, you choose between Original Medicare plus additional coverage or a Medicare Advantage plan. Missing the window can mean penalties and gaps. A 15-minute review with a licensed advisor covers timing, costs, and which path may fit your situation.

Tell us a little about your situation.

A licensed advisor will reach out within one business day. No enrollment happens without your separate consent.

First name

Last name

Email

Phone

State of residence

Birth month

Are you currently on Medicare?YesNoTurning 65 soon

Who is this for?MyselfMy spouseA parentOther family member

How would you prefer we reach you?Phone callText messageEmail

Before you submit

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

What we will NOT ask for:

Social Security number, Medicare number (MBI), banking information, or full date of birth.

Calls are recorded for quality and compliance.

What happens next:

A licensed advisor will reach out within one business day.
No enrollment happens without your separate, explicit consent.
Family members are welcome to join the call.

By checking this box and clicking submit, I agree that Kingdom Health Group and its licensed advisors may contact me by phone, text, and email at the number/email provided, including via automated technology, about Medicare and insurance options. Consent is not a condition of any purchase. Msg & data rates may apply. Reply STOP to opt out. View Privacy Policy and Terms.I agree to provide my information electronically.

What we look at in a turning-65 review

Whether you qualify for Part A without a premium
When your Initial Enrollment Period opens and closes
Medicare Advantage vs. Original Medicare with a Supplement
Prescription drug coverage (Part D) and formulary fit
Doctors and hospitals in your area that accept the plan
Out-of-pocket costs and annual maximums

What to have ready for your call

You do not need everything on this list to get started. We can walk through what you have.

Your current health insurance card (if you have coverage now)
List of medications with dosages
Names of your preferred doctors and specialists
Social Security or Medicare enrollment letter (if you received one)

Common mistakes that cost families money

Missing the Initial Enrollment Period and facing late penalties
Assuming employer coverage automatically replaces Medicare
Choosing a plan based only on premium without checking the network
Skipping Part D and later paying a permanent late-enrollment surcharge
Not reviewing plan changes every year during the Annual Election Period

Turning 65? Here is what to do and when.

Tell us a little about your situation.

What we look at in a turning-65 review

What to have ready for your call

Common mistakes that cost families money

Frequently asked