Turning 65 — Enrollment Season

Why This Matters

Medicare windows are unforgiving; this birthday has a to-do list with penalties.

The Window

Enrollment period marked (3+65+3 months)

Parts A/B/C/D mapped to your case

Medigap open-enrollment used (no underwriting!)

Current coverage coordination confirmed

Drug list checked against plans

Gotchas & Consequences

Missing Part B enrollment adds a lifetime premium penalty.

The one-time Medigap window without health questions never returns.

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