The 5-Step Turning 65 Checklist
What to do before your 65th birthday — without the call-center spam, the panic, or the late-enrollment penalties that cost you for life.
- The 7-month sign-up window — and the penalties if you miss it
- Original Medicare + Medigap vs. Medicare Advantage — how to choose
- Picking a Part D drug plan that actually covers your meds
- The math that matters — premium vs. real out-of-pocket
- 2026-specific updates — the new $2,100 Part D cap and what it means
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Turning 65 Checklist Download
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What's inside the PDF
Five clear steps. One page. Built so you can print it, hand it to a parent, or check things off as you go.
Sign up for Part A
Free for most. 3 months before 65.
Choose your path
Original + Medigap or Advantage?
Pick a drug plan
The right Part D for your meds.
Run the math
Premium vs. out-of-pocket reality.
Enroll on time
Use your 7-month window. Avoid penalties.
Built by Megan Neri
Registered Nurse · Licensed Medicare Broker · Houston, TXFor 20+ years, Megan was a registered nurse — sitting bedside with people on the worst days of their lives. Three years ago she moved into Medicare, because she kept seeing folks turning 65 get pushed into the wrong plan by call centers that didn't know their meds, their doctors, or their story.
Today our family practice is licensed in 30+ states and has helped thousands of families pick the right Medicare plan. This checklist is the one-page version of what she walks through with every new client.