Apply for Medicare early.

If you’re like most of us, you’ve probably been thinking about your health and the cost of care quite a bit lately — especially if you’re approaching retirement.  Anticipating your future medical costs can feel daunting. When it comes to your health, Medicare will most likely be an important part of your retirement strategy.  It's important to understand when you can apply.

Age Matters
Outside of certain unique circumstances, Medicare has strict rules governing when you become eligible for the program. In general, you can apply for Medicare:

• As early as three months before the month you turn 65
• During the month you turn 65
• Up to three months after the month you turn 65¹

Secondary Coverage
If you’re actively working but meet the requirements above, Medicare can still be useful. That's because if you have insurance through your employer at the time you apply, Medicare can become your secondary insurance. If you are still working, be sure to check your company policy regarding the transition of employees to Medicare.²

If you have any questions, feel free to reach out.

^{1. Medicare.gov, 2024}

^{2. Medicare.gov, 2024}

^{*Not affiliated with any government agency.}