First-Time Medicare Enrollment

A practical roadmap for people approaching Medicare eligibility and trying to understand what needs to happen first.

Start with your timeline

Your enrollment timing depends on why you are becoming eligible and whether you have current coverage through work or another source.

Review current coverage

Before making changes, understand whether your employer or other coverage is considered creditable and how it coordinates with Medicare.

Build the coverage picture

After Parts A and B, evaluate prescription coverage and whether Medicare Advantage or Original Medicare with a Supplement better matches the factors you care about.

Want the full story? Get my book. Medicare 2026: Choose the Right Plan & Avoid Costly Mistakes walks through how Medicare is built. It does not pick a plan.

2026 figures

Medicare eligibility date

See when Part A and Part B can start at 65, and your Initial Enrollment window.

Read: Turning 65? Your Medicare timeline

Where would you like to go next?