Turning 65? Here’s What Veterans and Their Families Need to Know About Medicare Enrollment
Are you or a loved one turning 65 this year? If so, it’s time to get familiar with Medicare. Whether you’re a veteran, a spouse, or a family member, understanding Medicare enrollment is essential to avoid costly penalties and to make the best healthcare decisions for your future.
To help you navigate this complex system, we’ve zeroed in on Chapter, a free service that provides expert Medicare guidance. Yes, free—no catch. Chapter’s team is ready to help you or your loved one find the best Medicare options based on your unique situation. Click here to connect with Chapter now.
Medicare Enrollment Basics at Age 65
When you turn 65, you enter a critical period called the Initial Enrollment Period (IEP). This begins three months before your 65th birthday, includes your birthday month, and extends for three months after. Enrolling during this window is key to avoiding late penalties.
Automatic Enrollment
If you are already receiving Social Security retirement or disability benefits, you’ll automatically be enrolled in both Medicare Part A and Part B when you turn 65.
Delayed Enrollment
If you’re still working and covered by an employer plan, you may choose to delay enrolling in Medicare Part B. However, you must enroll as soon as that coverage ends, or you could face a late enrollment penalty.
Part B Late Enrollment Penalty
Missing your Initial Enrollment Period without qualifying coverage can result in a monthly penalty—for life. This is why it’s crucial to get timely, accurate information about your eligibility and options.
Steps to Enroll in Medicare
- Determine your eligibility: If you qualify for premium-free Part A, you may be enrolled automatically. Otherwise, you’ll need to apply.
- Apply for Medicare: You can apply for Part A and Part B online through the Social Security Administration. Or, contact Chapter for free, personalized help.
- Consider employer coverage: If your employer has 20+ employees, your employer’s plan may remain primary, allowing you to delay Part B. If not, Medicare becomes your primary coverage.
Special Enrollment Periods (SEPs)
If you delay enrollment due to having employer-sponsored insurance, you’ll be eligible for a Special Enrollment Period when that coverage ends. This allows you to sign up for Part B without penalties.
Understanding Medicare Part A vs. Part B
- Part A: Hospital insurance. Usually free if you’ve worked 10+ years.
- Part B: Medical insurance. Includes a monthly premium and covers outpatient services, preventive care, and more.
Working Past 65? You’re Not Alone
According to Pew Research, over 11 million Americans over 65 are still working. The number has quadrupled since the mid-1980s. Many older adults stay on their employer plans or remain on a spouse’s insurance.
A recent AARP study shows that about 23% of adults aged 50–64 are on employer-sponsored plans. If this includes you, it’s important to weigh your options carefully. Medicare could fill gaps or even reduce your out-of-pocket costs.
Get Free Help Navigating Medicare
Let’s be honest—Medicare is complicated. Mistakes can cost you. That’s why we recommend connecting with Chapter. Their free service helps you compare plans, understand eligibility, and avoid penalties. Click here to get started with Chapter.
Whether you’re a veteran, spouse, or family member, Medicare is a crucial piece of the healthcare puzzle at 65. Get informed. Make smart decisions. And don’t go it alone.
Disclaimer: This article is for informational purposes only and is not legal or financial advice. VeteransBenefitsHub.com is not affiliated with the U.S. Department of Veterans Affairs (VA) or the Social Security Administration. We encourage readers to consult with qualified professionals or use trusted services such as Chapter for Medicare enrollment guidance.
