Turning 65? Here’s What You Actually Need to Know About Medicare

Turning 65 is a milestone — but for many people, it also comes with confusion, stress, and a flood of mail about Medicare. If you’re not sure where to start, you’re not alone.

Here’s what you actually need to know — in plain English.

What Is Medicare?

Medicare is a federal health insurance program primarily for people age 65 and older. It’s broken into parts, and each part covers something different.

• Part A – Hospital insurance

• Part B – Medical insurance (doctors, outpatient care)

• Part C – Medicare Advantage plans (private plans that bundle coverage)

• Part D – Prescription drug coverage

When Do You Need to Enroll?

Most people qualify during their Initial Enrollment Period, which begins:

• 3 months before your 65th birthday

• Includes your birthday month

• Ends 3 months after

Missing this window can lead to late enrollment penalties, so timing matters.

The Biggest Medicare Mistakes People Make

• Assuming Medicare covers everything

• Choosing a plan based only on the monthly premium

• Not reviewing prescription coverage

• Missing enrollment deadlines

Medicare decisions aren’t one-size-fits-all. Your health needs, doctors, medications, and budget all play a role.

Why Getting Guidance Matters

Medicare rules change. Plans change. And what worked for a friend or neighbor may not work for you. At Coastal Insurance & Notary Services, we help individuals and families understand their Medicare options clearly — without pressure and without confusion.

Need help getting started? Schedule a free Medicare consultation and get answers before making a decision.