Florida Turning 65 Medicare Checklist
Use this checklist before your Medicare enrollment window closes. It is designed to help you organize the core decisions, questions, and documents you should review before speaking with an advisor.
1. Confirm your enrollment window
- Mark the seven-month Initial Enrollment Period tied to your 65th birthday.
- Write down your Part A and Part B effective dates if they are already assigned.
- List any employer coverage or retiree coverage that could affect timing.
2. Gather the facts you need before comparing plans
- Current doctors, specialists, and preferred hospital systems.
- Prescription list with dosage, pharmacy preference, and refill frequency.
- Travel habits, seasonal living arrangements, or out-of-state care needs.
3. Decide which path you want to evaluate first
- Original Medicare plus Medigap plus Part D.
- Medicare Advantage as an all-in-one private plan alternative.
- Budget comfort level for premiums, deductibles, and network tradeoffs.
4. Prepare your review questions
- Are my doctors and prescriptions covered the way I expect?
- What changes if I travel frequently or split time between states?
- How do costs differ in a routine year versus a high-usage year?
5. Take the next step before deadlines compress your options
- Request a local Medicare review if you want help comparing plan paths.
- Bring this checklist to your meeting so nothing important gets skipped.
- Review the Medicare disclaimer language before making a final decision.
Medicare disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. For information on all of your options, contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Program.