Planning for Medicare | Medicare Eligibility

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Planning for Medicare

Seniors turning 65 enjoying their Medicare health insurance plan in New York

Am I eligible for Medicare at 65?

If you are almost age 65 and are retired or ready to retire, you are likely signing up for Medicare for the first time. Read our tips below to help you plan for Medicare enrollment.


You have a limited time to enroll once you reach the Medicare eligibility age, called the Initial Coverage Election Period (ICEP). This period covers three months before the month of your 65th birthday to three months after. During these seven months, you may enroll in any Medicare health insurance plan you’re eligible for.

4-6 months before you turn 65

Four to six months before turning 65, you can learn the Medicare basics:What are the parts of Medicare? What do they cover? How much will I pay?

1-3 months before you turn 65

One to three months before turning 65, you can enroll in Medicare Parts A and B so that you don’t have a lapse in coverage.

Contact your local Social Security Administration office to check whether you’re automatically enrolled based on your Social Security Benefits.

Look at affordable options that give you more coverage than Original Medicare alone, like Medicare Advantage plans.

Medicare Advantage Plans give you all the benefits of Medicare Parts A and B, plus even more coverage such as eyewear, dental, hearing aids and fitness and  Medicare Advantage Prescription Drug Plans also include Medicare Part D drug coverage in the  same plan.


EmblemHealth Medicare Advantage Prescription Drug Plans


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Check with your doctor(s) to see if they accept different types of Medicare coverage. Certain providers may not accept Medicare. Check your prescription drugs to see if they’re covered.


What should I do before my Medicare initial enrollment period ends?

Let us help you find a Medicare Advantage Plan that works for you.

Request a Callback from us

Call our Medicare Specialists

If not currently enrolled,

call 800-859-4880 (TTY:711).

From Oct. 1 to March 31, you can call us seven days a week from 8 a.m. to 8 p.m. From April 1 to Sept. 30, you can call us Monday through Friday from 8 a.m. to 8 p.m.

Request a Callback from us

Last Updated 10/01/2023