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Turning 65

Medicare information for this important milestone

Follow these tips to make sure you understand how Medicare works and what options are best for you.

Use this timeline to stay on track

Whether you're already signed up for Medicare or are planning to work past your 65th birthday, you can start getting ready to enroll for Medicare once you turn 64.

Age 64: Get informed

Start learning how Medicare works and research your options. If you plan to work past 65, ask your employer about their health plans for people 65 and older.

Age 64 and 9 months: Time to enroll

You can enroll in Medicare as soon as three months before your 65th birthday. Learn how to enroll.

Age 65: You are Medicare-eligible

If you haven’t enrolled yet, it’s time. If you have enrolled, you’ll start receiving Medicare benefits. Choose your plan.

Certain people with disabilities or specific medical conditions may qualify for Medicare before turning 65. Get more details at medicare.gov.

Age 65 and three months: you must be enrolled

Unless you have health benefits through an employer with more than 20 employees, you generally need to enroll in Medicare Part B within three months after you turn 65 to avoid paying a late-enrollment penalty.

Age 65-plus: Change plans if necessary

If you’re enrolled in a plan that isn’t meeting your needs, you can switch to another plan during the annual election period, which is Oct. 15 to Dec. 7 each year.

Understand the basics

There are different parts of Medicare to understand as part of your coverage:

  • Original Medicare: Part A and Part B

    When you first enroll in Medicare Part A and Part B through the federal government, you’re in the Original Medicare program.

    Medicare Part A

    Medicare Part A helps cover inpatient care in:

    Skilled nursing facilities
    Hospice care
    Home health care

    Most people who have been employed and paid Medicare taxes may not need to pay a Part A premium.

    Medicare Part B

    Medicare Part B helps cover:

    Doctor visits
    Preventive care
    Other medical services

    Part B is optional and requires a monthly premium.

  • Medicare Advantage: Part C

    Part C, also known as Medicare Advantage, is offered through private companies and provides all the coverage in Medicare Part A and Part B but usually with additional benefits. It may even include Medicare Part D prescription drug coverage.

    • HAP Senior Plus® Henry Ford Tiered Access (HMO)
    • HAP Senior Plus® (HMO)
    • HAP Senior Plus® Medical Only (HMO)
    • HAP Senior Plus® (HMO-POS)
    • HAP Senior Plus® (PPO)
  • Medicare prescription drug plans: Part D

    Medicare Part D provides coverage for prescription drugs. These plans can help lower your prescription drug costs and protect against higher costs in the future.

  • Medicare supplement plans, also known as Medigap plans

    This kind of plan helps pay for some costs not covered by Original Medicare (Part A and Part B).

    Benefits of a HAP Medicare supplement plan:

    • Competitive monthly premiums
    • Freedom to choose any doctor or hospital that accepts Medicare
    • No referrals needed to see a specialist
    • $0 copays on Medicare-approved preventive services

    HAP offers through Alliance Medicare Supplement plans A, C, F, G and N.

    Important tip!

    You need to have Medicare Part A and Part B before you can choose a Medicare Advantage plan or Medicare supplement plan, also known as a Medigap plan.

What if I want to work past 65?

Many people choose to continue working after they’ve reached this milestone. The choice is yours. If you do choose to work, you can evaluate your Medicare needs based on the size of your employer.

21 or more employees

Like the coverage you have? You can stay on your employer’s health plan until you retire. When you retire, you’ll likely be eligible for a special enrollment period. You can also add Medicare coverage on top of your employer’s plan or choose to switch to Medicare entirely.

20 or less employees

Most often, Medicare will save you money when compared to the plans offered by your employer. It’s probably best to make the switch.


You should sign up when you turn 65, even if you plan to continue working.

Get more help from HAP:


Learn more at one of our free Medicare workshops

Whether you already know the basics or are just starting out, we’re always ready to answer your questions. You can attend one of our free Medicare Workshops held throughout southeast Michigan.1

You also can send us an email or contact us by phone to speak with a licensed HAP Medicare sales representative. Contact us.

1A licensed HAP Medicare sales representative will be present with information and applications. For accommodation of persons with special needs at sales meetings, call (888) 497-7551 (TTY: 711). Workshops discuss plans for Medicare-eligible individuals who purchase their own health care coverage.

Medicare explained in minutes

Learn what Medicare is, how it works, and the coverage options available to you with these short, informative videos.

Open video transcripts (4 videos, 17:18)

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  • Turning 65?

    Get real answers to all your questions! We’ll teach you about how Medicare works and give you tips and ideas to make sure you’re ready to go on day

  • Turning 65?

    Get real answers to all your questions! We’ll teach you about how Medicare works and give you tips and ideas to make sure you’re ready to go on day

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Copyright © 2017 HAP
2017 Health Alliance Plan of Michigan
Y0076_ALL 2018067 2018 WEB 10.1
CMS Approved: 10/24/2017
Last Update 10/1/2017

HAP Senior Plus HMO, HMO-POS, and PPO are health plans with a Medicare contract. Enrollment in these plans depends on contract renewal. HAP Senior Plus PPO is a product of Alliance Health and Life Insurance Company, a wholly owned subsidiary of HAP. Alliance Medicare Supplement is a product of Alliance Health and Life Insurance Company, a wholly owned subsidiary of HAP.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

  • HAP Medicare Sales:

    (877) 547-5186 (TTY:711)

  • (800) 868-3153 TTY: 711

    HAP Senior Plus®

    (800) 801-1770 TTY: 711

  • HAP Senior Plus®(PPO)

    (888) 658-2536 TTY: 711

  • Alliance Medicare Supplement:

    (800) 873-7526 TTY: 711