If your Medicare start date is coming up, a little preparation can prevent expensive gaps and late enrollment penalties. Here’s a simple, step-by-step checklist you can follow about 60 days out.

1) Confirm your Medicare eligibility window

Most people enroll during their Initial Enrollment Period (IEP): the 7-month window around the month you turn 65. If you’re leaving employer coverage, a Special Enrollment Period may apply.

If you’re unsure which window you’re in, we can help you map the dates and compare plan types (see Medicare services).

2) Gather the documents you’ll need

• A government-issued ID and your Social Security number (or proof of legal residency)
• Current prescription list (name, dosage, frequency)
• Preferred doctors and facilities (so we can check networks)
• Current insurance cards (employer plan, retiree plan, Marketplace plan, etc.)

3) Decide: Original Medicare + Supplement vs Medicare Advantage

These two paths can look similar on paper, but they work differently for budgeting, provider access, and out-of-pocket exposure.

Original Medicare with a Supplement can be a strong fit for people who prioritize broad provider access. Medicare Advantage may work well for those who prefer a bundled plan and are comfortable with network-based coverage.

4) Review your prescriptions early

Prescription coverage varies by plan. Checking your medications ahead of time helps avoid surprises at the pharmacy—especially for specialty drugs or brand-name medications.

5) Avoid common timing mistakes

• Waiting until the last minute and risking a coverage gap
• Choosing a plan without confirming your doctors are in-network (if applicable)
• Underestimating total costs: premiums + copays + max out-of-pocket
• Not coordinating Medicare with existing employer/retiree coverage

6) Get a side-by-side plan comparison

As an independent, multi-state licensed agency, we help clients compare options based on budget, doctors, prescriptions, and travel needs—without a one-size-fits-all approach.

Ready to review your options? Start here: contact McCormick Family & Life or call 702-339-3760.

FAQ

When should I apply for Medicare?

If you’re turning 65, many people apply 1–3 months before their birthday month so Medicare can start on time. Timing can differ if you’re delaying Medicare due to active employer coverage.

Can I keep my doctor?

It depends on whether you choose Original Medicare, a Supplement, and/or a Medicare Advantage plan. We can help verify provider participation and networks.

Next steps

Want help comparing options across carriers? Explore our services or contact us for a no-pressure quote. You can also call 702-339-3760.