If you’re turning 65 in 2026, you’re probably hearing a lot about Medicare — and just as much conflicting information. The good news? Medicare doesn’t have to be confusing when you understand the timeline and your options.
Your Initial Enrollment Period (IEP) is a 7-month window that begins 3 months before your 65th birthday, includes your birthday month, and ends 3 months after. This is the most important enrollment period to know, because missing it can result in lifelong penalties.
What Happens During Your Initial Enrollment Period?
During your IEP, you can:
- Enroll in Medicare Part A (hospital insurance)
- Enroll in Medicare Part B (medical insurance)
- Choose a Medicare Advantage (Part C) plan or
- Pair Original Medicare with a Medicare Supplement and a Part D drug plan
If you enroll before your birthday month, coverage typically begins the first day of your birthday month. Waiting until later can delay coverage.
Still Working at 65?
Many people in Vancouver and Southwest Washington continue working past 65. Depending on your employer’s size and coverage, you may be able to delay certain parts of Medicare without penalty — but this is not automatic. Getting personalized guidance is key.
Why Planning Early Matters
Medicare decisions affect:
- Monthly premiums
- Prescription drug costs
- Doctor and hospital access
- Out-of-pocket expenses for years to come
Starting early gives you time to compare plans, avoid mistakes, and feel confident in your choices.
Local Tip: Medicare plans and provider networks vary by ZIP code. What works in Portland may not work in Vancouver — which is why working with a local Medicare agent makes such a difference.
