The Medicare Sign-Up Process Explained

If you are nearing retirement age, it is important to understand the Medicare enrollment process because as you turn 65, you are required to enroll in Medicare. You must enroll during a seven-month period that begins three months before you turn 65, includes your birthday month, and ends three months after you turn 65. Be aware of this timeframe because if you miss this short window, there will be a penalty. If you continue to work at age 65 and have over 20 employees, you can continue using your group coverage and won’t need to worry about enrolling until after you retire. However, if you have less than 20 employees, you will need to enroll.

There are three ways to begin this enrollment process. The first option is to go to, sign in with a profile, and begin your benefit enrollment process. You can also call the Social Security Administration, or go in person to speak with someone. Begin this process early so you can have a smooth start to retirement!

Have more questions? Contact Us

Matthews Barnett, CFP®, ChFC®, CLU®
Financial Advisor


Click here to schedule a consultation with one of our financial planners.

Download our free guide: “Your Pre-Retirement Checklist”


Listen to Our Podcast:

Recent posts

  • Why Financial Planning is Different for Pilots
  • Tips for Transitioning to Retirement as a Pilot
  • Greenlight Debit Card 2024 Update
By Published On: June 3, 2022

Share This Story, Choose Your Platform!

Wiser Wealth Management, Inc (“Wiser Wealth”) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). As a registered investment adviser, Wiser Wealth and its employees are subject to various rules, filings, and requirements. You can visit the SEC’s website here to obtain further information on our firm or investment adviser’s registration.

Wiser Wealth’s website provides general information regarding our business along with access to additional investment related information, various financial calculators, and external / third party links. Material presented on this website is believed to be from reliable sources and is meant for informational purposes only. Wiser Wealth does not endorse or accept responsibility for the content of any third-party website and is not affiliated with any third-party website or social media page. Wiser Wealth does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by third party websites or on social media pages. While Wiser Wealth uses reasonable efforts to obtain information from sources it believes to be reliable, we make no representation that the information or opinions contained in our publications are accurate, reliable, or complete.

To the extent that you utilize any financial calculators or links in our website, you acknowledge and understand that the information provided to you should not be construed as personal investment advice from Wiser Wealth or any of its investment professionals. Advice provided by Wiser Wealth is given only within the context of our contractual agreement with the client. Wiser Wealth does not offer legal, accounting or tax advice. Consult your own attorney, accountant, and other professionals for these services.

Sign up for our newsletter!

Our latest blogs, podcasts, and educational videos delivered to your inbox weekly.