Prepare for Medicare without disrupting military-related coverage.

Separate enrollment from plan selection

For many people first eligible at 65, the Medicare Initial Enrollment Period lasts seven months: the three months before the birthday month, that month, and the three months after. Coverage start dates depend on when you enroll and your circumstances.

Enrolling in Medicare Parts A and B is not the same action as selecting a Medicare Advantage or drug plan. Write down the effective dates of the parts and of any plan separately.

Identify why you might delay—or not delay

Current employment coverage can create different Medicare timing choices from retiree coverage or VA care. Do not treat every insurance card as interchangeable proof that a delay is safe.

List the employer or program, whose employment the coverage is based on, and when it will end. Take those facts to Social Security, Medicare and the benefits administrator before deciding to postpone a Medicare part.

Check the military-related benefit requirements

TFL requires Medicare Parts A and B for eligible beneficiaries. CHAMPVA also has Medicare-related requirements that should be reviewed against the person's circumstances.

Plan a transition around confirmed effective dates, not an estimated application date. Keep copies of enrollment confirmations and check the program record after coverage begins.

Compare both ways of receiving Medicare

Original Medicare and Medicare Advantage have different provider, cost and coverage structures. Medigap is a separate type of policy used with Original Medicare, not a supplement to Medicare Advantage.

The federal Medigap Open Enrollment Period generally starts when you are 65 or older and enrolled in Part B. It is not the same as the annual Medicare enrollment period; state protections may provide additional opportunities.

Bring these questions to the review.

• When does my enrollment period begin?
• Is my current coverage based on active employment?
• When must Parts A and B be effective for my military benefits?
• Does a Medigap buying window apply?