I'm turning 65 — what do I need to do about Medicare?

The simplest advice is to start about three to six months before your 65th birthday and use your Initial Enrollment Period so you don't end up with gaps or penalties. That window runs for seven months: the three months before your birthday month, your birthday month, and the three months after. Signing up early in that stretch helps your coverage begin on time. The first decision is Part A and Part B. If you're already drawing Social Security you may be enrolled automatically, and if not you'll sign up through SSA.gov or by calling 1-800-772-1213. If you're still working with employer coverage your timing can be different, which is worth sorting out separately. From there you choose your path, either Original Medicare (often with a Part D plan, and sometimes a Medigap policy) or a Medicare Advantage plan that bundles things together. Whatever you choose, check that your doctors are in-network and your prescriptions are covered before you commit, and keep an eye on the deadlines, since missing your Initial Enrollment Period can mean lifelong late penalties for Part B and Part D. There's a lot to weigh, but you don't have to do it alone. Medicare.gov and your local SHIP offer free, unbiased help, and a licensed agent can compare your options at no cost to you. The main thing is to start early so you have time to decide.

— Matt Rolph, Los Angeles, CAVerified