Medicare Enrollment Guide for Employees Approaching Age 65

Avoiding Medicare Enrollment Mistakes

If you have coverage based on your or your spouse’s current employment when you become eligible for Medicare at age 65, you will need to decide whether to enroll in Medicare when you are first eligible or whether to delay enrollment.

You should start thinking about these Medicare enrollment decisions around three or four months before you turn 65. First, let’s review the basics. Medicare is a federal government-run health insurance program for U.S. citizens and many permanent legal residents age 65 and older (it also covers some younger people with disabilities). Once you join, it provides coverage for the rest of your life.


This Tip Sheet is Intended for:

  • Human resource teams preparing for open enrollment

  • Small business owners and fractional HR services with a limited budget and resources

Use this tip sheet to:

  • Navigate open enrollment for your employees