Getting Ready to Retire & Switch to Medicare
For more than 30 years, we’ve offered plans with quality doctors and hospitals, unbelievably helpful customer service, and ways to save.
When You Can Enroll
When Are You Retiring?
Enroll in Part B January – September
You'll have 8 months from your retirement to add Part B without a penalty.
Special Enrollment Period (SEP) January – March
You'll have 2 full months after the month your coverage ends to get more coverage with a Medicare Advantage plan or Medicare Prescription Drug Plan.
Medicare Supplement Enrollment Period January – July
You'll have 6 months starting the first day of the month you're enrolled in Part B to enroll in a Medicare Supplement plan.
1 Year Before
- Start thinking about your move to Medicare.
- Make sure you understand the difference between Medicare plan options.
- Start looking into what options are available in your area.
6 Months Before
- Talk with your employer about when your group coverage will end.
- Make sure you're eligible for Original Medicare and Medicare Advantage plans. Contact Social Security to learn more about eligiblity and enrollment in Original Medicare.
- Narrow down your plan options by deciding what kind of Medicare plan you want and what type of plan you need. Do you want:
3 Months Before
- Look at our plans online or request more information to look at specific benefits and costs.
- Compare out-of-pocket costs between plans.
- Make sure your doctor and pharmacy are in-network.
- Talk to your employer about your decisions to make a smooth switch from group coverage to Medicare.
The Month You Retire
- Apply for Original Medicare benefits through Social Security now. You have 8 months to add Part B without a penalty.
- Start applying for other coverage, like Medicare Advantage, Medicare Part D, and Medicare Supplement plans now.
- You have an SEP for 2 months after the month your coverage ends to add a Medicare Advantage plan or a Medicare Prescription Drug Plan.
- You'll also have 6 months starting the first day of the month you're enrolled in Part B to enroll in a Medicare Supplement plan.
- If your spouse or any dependents were covered under your employer’s group plan, make other arrangements for them or shop for an individual plan.
After You've Enrolled
- Make sure you have your Medicare card and ID cards for any other coverage you enrolled in.
- Tell your doctors and pharmacy about your new coverage.
- Learn more about using your new coverage.