Medicare Enrollment Guide – Turning 65 and Beyond in Philadelphia & Our 12-State Service Area
If you’re approaching age 65, now is the time to start planning your Medicare enrollment. As your Medicare insurance broker in Philadelphia, The Medicare Mensch helps clients understand when to enroll, what coverage to choose, and how to avoid costly penalties. Whether you live in Fishtown, South Jersey, or any of the other states we serve, our goal is to make your transition into Medicare smooth and stress-free.
When You Can Enroll in Medicare
01.
Initial Enrollment Period (IEP)
Starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after.
02.
Special Enrollment Period (SEP)
For those who delay Medicare because they have employer coverage. You can enroll without penalty after your employment or coverage ends.
03.
Annual Enrollment Period (AEP)
October 15 to December 7 each year, when you can make changes to your Medicare Advantage or Part D plan.
04.
Open Enrollment Period (OEP)
January 1 to March 31, allowing Medicare Advantage enrollees to switch plans or go back to Original Medicare.
Steps to Take Before You Enroll
1. Confirm Eligibility
Most people qualify at 65 through their work history, but others may qualify earlier due to disability.
2. Decide Between Original Medicare & Medicare Advantage
This choice impacts how you receive your coverage, your costs, and your provider access.
3. Consider a Supplement Plan
Medigap can help cover expenses Original Medicare doesn’t.
4. Add Prescription Coverage
Even if you don’t take medications now, enrolling in Part D helps you avoid future penalties.
What to Watch Out For
Late Enrollment Penalties
These can be permanent, adding to your premiums for life.
Coverage Gaps
Not having drug coverage or supplement insurance can mean higher out-of-pocket costs.
Timing Issues
Missing your enrollment window can leave you without coverage for months.
Philadelphia-Area Medicare Enrollment Tips
In Philadelphia and surrounding counties, plan availability and benefits can vary.
If you split time between Pennsylvania and another state, we’ll help ensure your coverage works in both places.
We understand local health networks like Jefferson, Penn Medicine, and Temple Health, and can help match your plan to your preferred providers.
Frequently Asked Questions
Do I have to enroll at 65 if I’m still working?
Not necessarily—if you have creditable coverage, you may delay without penalty.
How long does it take to get my Medicare card?
Usually 3-4 weeks after applying.
Can I change my mind later?
Yes, but you may be limited to certain times of the year unless you qualify for a Special Enrollment Period.
Your Next Step
Schedule a free consultation with The Medicare Mensch. We’ll review your situation, explain your options, and guide you step-by-step through the enrollment process so you can feel confident in your Medicare choices.