https://medigapshopper.blog/2026/03/31/turning-65-how-to-enroll-in-medicare-avoid-penalties-coverage-gaps-before-choosing-a-supplement/https://medigapshopper.blog/wp-content/uploads/2026/03/california-birthday-rule-image.pngCalifornia Medicare Supplement Birthday Rule (No Medical Underwriting)California residents can change their Medicare Supplement each year from their birthday up to 60 days after—no health questions required when switching to a plan with equal or fewer benefits.https://medigapshopper.blog/wp-content/uploads/2026/03/medicare-initial-enrollment-period-age-65-timeline-2.pngMedicare Initial Enrollment Period timeline age 65The Medicare Initial Enrollment Period lasts 7 months. Applying during the 3 months before your birthday month helps ensure your Medicare and Medicare Supplement coverage start on time.https://medigapshopper.blog/wp-content/uploads/2026/03/ron-professional-photo.pngRon Professional Photohttps://medigapshopper.blog/wp-content/uploads/2026/03/when-to-enroll-in-medicare-part-d-before-part-b-start-date.pngWhen to enroll in a Medicare Part D plan before Part B start dateEnrolling in a Medicare Part D prescription drug plan when you first become eligible helps ensure prescription coverage begins on time and helps avoid lifetime late enrollment penalties if you enroll later.https://medigapshopper.blog/wp-content/uploads/2026/03/california-medicare-supplement-birthday-rule-timeline.pngCalifornia Medicare Supplement birthday rule timelineCalifornia residents can change their Medicare Supplement plan during their birthday month and the 60 days after each year without medical underwriting when switching to a plan with equal or lesser benefits. A Medicare Supplement specialist can help review available options during this window.https://medigapshopper.blog/wp-content/uploads/2026/03/when-to-apply-for-medicare-supplement-before-part-b-start-date.pngWhen to apply for a Medicare Supplement plan before Part B start dateApplying for a Medicare Supplement plan one to three months before your Medicare Part B start date helps ensure there are no gaps in coverage when Medicare begins.https://medigapshopper.blog/wp-content/uploads/2026/03/original-medicare-vs-medicare-advantage-vs-medicare-supplement-comparison.pngChoosing Medicare coverage at age 65 comparisonAfter enrolling in Medicare Parts A and B many people choose either a Medicare Supplement plan or a Medicare Advantage plan. Understanding the difference between these options is an important step when planning your Medicare coverage.https://medigapshopper.blog/wp-content/uploads/2026/03/medicare-initial-enrollment-period-age-65-timeline-1.pngMedicare Initial Enrollment Period timeline age 65The Medicare Initial Enrollment Period lasts 7 months. Applying during the 3 months before your birthday month helps ensure your Medicare and Medicare Supplement coverage start on time.https://medigapshopper.blog/wp-content/uploads/2026/03/three-ways-to-sign-up-for-medicare-age-65-1.pngThree ways to sign up for Medicare at age 65Most people turning 65 can sign up for Medicare online through Social Security by phone or by scheduling a Social Security appointment. Choosing the right enrollment method can help ensure your coverage starts on time.https://medigapshopper.blog/wp-content/uploads/2026/03/three-ways-to-sign-up-for-medicare-age-65.pngThree ways to sign up for Medicare at age 65Most people turning 65 can sign up for Medicare online through Social Security by phone or by scheduling a Social Security appointment. 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