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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!

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


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Wiser Wealth Management, Inc. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

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