Medicare 101: What Californians Turning 65 Need to Know

Turning 65 is more than just a milestone birthday — it’s also the time when most Californians become eligible for Medicare, the federal health insurance program designed for older adults and certain younger individuals with disabilities.

But here’s the challenge: When, how, and who should enroll? Understanding the rules and timelines can help you avoid costly mistakes and ensure you get the coverage you deserve.

Step 1: When Should You Enroll?

Most people become eligible for Medicare at age 65.

You have a 7-month Initial Enrollment Period (IEP):

• 3 months before your 65th birthday

• Your birthday month

• 3 months after your birthday month

⚠️ Missing this window can lead to late penalties, especially for Part B (medical insurance).

Step 2: How Do You Enroll?

Enrolling in Medicare is straightforward, but it depends on your situation:

• Already receiving Social Security? You’ll be automatically enrolled in Parts A and B.

• Not yet receiving Social Security? You’ll need to apply online at SocialSecurity.gov or by calling your local Social Security office.

• Still working at 65? If your employer offers group health coverage, you may be able to delay Part B without penalty. But rules vary — and it’s smart to review your options carefully.

Step 3: Who Needs to Enroll?

Medicare isn’t one-size-fits-all. Who should enroll depends on your current coverage:

• No employer coverage? Enroll as soon as you’re eligible.

• Employer coverage at a small business (fewer than 20 employees)? You must enroll in Medicare at 65, or you risk gaps.

• Employer coverage at a large company (20+ employees)? You may be able to delay Medicare, but consider how costs and benefits compare.

  
  

Step 4: Know Your Options

Medicare has different parts, and knowing the basics helps you plan wisely:

• Part A (Hospital Insurance): Usually premium-free if you or your spouse paid Medicare taxes.

• Part B (Medical Insurance): Covers doctor visits and outpatient care; requires a monthly premium.

• Part C (Medicare Advantage): Private insurance plans combining Parts A and B, often with added benefits.

• Part D (Prescription Drugs): Helps lower medication costs.

Step 5: Plan Ahead with Confidence

The transition to Medicare can feel overwhelming, but with the right guidance, it doesn’t have to be. At EPIA Inc., we’ve helped California families navigate Medicare for over 30 years.

We’ll explain your options, help you avoid penalties, and make sure you choose the plan that fits your health and budget.

💡 Final Thoughts

If you’re turning 65 soon, Medicare should be at the top of your checklist. The right coverage means peace of mind, protection from unexpected costs, and confidence in your healthcare future.

📅 Ready to plan ahead? Let’s review your options together.

📞 +1 626-912-1988 | 📧 info@epiagroup.com | 🌐 www.epiagroup.com

✅ Sources:

• Medicare.gov: Sign Up/Change Plans

• SSA.gov: Apply for Medicare