Get Started with Medicare if You’re Turning 65

HealthPlans of NC

Who is Medicare For?

Medicare is a health insurance program designed for individuals 65 and older. Whether you reside in Charlotte, Durham, Cary, or anywhere in North Carolina or the U.S.A., you can sign up for Medicare three months before your 65th birthday. Additionally, you may qualify for Medicare before 65 if you have a disability, end-stage renal disease (ESRD), or ALS (Lou Gehrig’s disease).

When Does Your Medicare Coverage Start?

Understanding when your Medicare coverage begins is crucial. If you sign up for Medicare Part A (hospital insurance) and/or Medicare Part B (medical insurance) within the first three months of your Initial Enrollment Period, your coverage starts on the first day of your birthday month. If your birthday falls on the first day of the month, coverage begins on the first day of the previous month.


-Mr. Thompson's 65th birthday is August 20, 2022. If he signs up in April, May, or June, coverage starts on August 1, 2022. - Mrs. Scott: 65th birthday on August 1, 2022. If she signs up in March, April, or May, coverage starts on July 1, 2022.

What if you miss the Initial Enrollment Period?

If you don't sign up during the first three months before turning 65, your coverage start date will be delayed based on your sign-up date.

If you sign up for Part A and/or Part B in this month:

Your coverage starts:

The month you turn 65

One month after you sign up

One month after you turn 65

Two months after you sign up

Two months after you turn 65

Three months after you sign up

Three months after you turn 65

Three months after you sign up

During the January 1- March 31 General Enrollment Period

July 1

Note: Late enrollment penalties may apply if you miss your Initial Enrollment Period and don’t qualify for a Special Enrollment Period.

How to Enroll in Medicare

If you have questions about signing up for Medicare or what happens if you miss enrollment at 65, our Medicare agents in North Carolina are here to help. We can assist you in comparing plans and options to ensure you get the best coverage without hassle.

Contact Us: Get expert advice from our locally-based North Carolina Medicare agents today. Call 1-800-797-0327 or request a quote to get started.

Ready to get started?

See plans and pricing today.