Turning 65
Your Medicare dates, without the sales calls
Turning 65 works out your exact sign-up windows, deadlines and penalties from your birthday and the coverage you have today. Then it gives you a checklist to get it done.
Why it exists
Miss your Medicare sign-up window and you can pay a penalty every month for the rest of your life. The rules depend on your birthday, whether you're still working, how big the employer is, COBRA, Marketplace plans, HSAs and more. Most help online comes from companies selling plans. Turning 65 sells nothing and never asks for your phone number.
What it does
- Your personal timeline: when your window opens, the date to sign up by for no gap, when Medicare starts, your Medigap guaranteed window and every deadline after that.
- Plans for real situations: no coverage, Marketplace, still working (yours or your spouse's job, big or small employer), COBRA, retiree coverage, TRICARE and VA.
- A checklist with due dates and links to the official Social Security and Medicare pages.
- Warnings for the expensive traps: HSA contributions, COBRA, small employers, Part D gaps.
- Calculators for late penalties and income-based premiums (IRMAA).
- Plan for family: a spouse or a parent, each with their own dates and reminders.
- Plain-English guides to Parts A to D, Medigap, Advantage, penalties, working past 65 and more.
Private by design
No account, no ads, no tracking, no network access. Your answers stay on your phone.
Turning 65 is an independent planning guide. It isn't affiliated with or endorsed by Medicare, CMS or the Social Security Administration, and it isn't legal or financial advice.