Retiring after age 65? Start here.

Your step-by-step roadmap

4 Things to Do Before You Retire After 65

⚠️ Important: You must prove prior coverage to avoid a late enrollment penalty — have your employer complete Form CMS-L564.

🎂 Turning 65 instead? Click here →

STEP 1

3 months before you retire

Confirm You Have Medicare Part A

Check your red, white & blue card. Verify at SSA.gov or call Social Security at 800.772.1213.

MEDICARE HEALTH INSURANCE

Name/Nombre

JOHN L SMITH

Medicare Number/Número de Medicare

1EG4-TE5-MK72

Entitled to/Con derecho aCoverage starts/Cobertura empieza

HOSPITAL (PART A)03-01-2026

Sample card — look for HOSPITAL (PART A) on your own red, white & blue card.

STEP 2

Enroll in Part B — you need TWO forms

Apply for Medicare Part B

Three ways to apply

Pick the one that works best for you

All 3 ways: you will need Form CMS-L564 (employer verification).

Online

Online Part B Enrollment Application → — you’ll need proof of prior creditable coverage.

Paper

Form CMS-40B + Form CMS-L564 (employer verification).

In Person

Your local Social Security office — make an appointment!

STEP 3

The big decision

Choose your coverage path

I can help you compare all the options that are right for you

Medicare only covers 80%. You need to cover the remaining 20% — I’ll make sure your doctors and drugs are covered!

Option 1

Best if: you want predictable costs and freedom to see any doctor — higher monthly premium

Supplement (Medigap) Plan

Offered by private companies

Pays the 20% that Medicare doesn’t cover. No network — accepted at any Medicare-participating provider in the country.

Part D Drug Plan

Offered by private companies

PART D

You’ll also need a separate Part D drug plan. Make sure your medications are on the formulary.

Option 2

Best if: you want a lower premium and extra built-in benefits. Pay with co-pays

Advantage Plan (Part C)

Offered by private companies

PART C

Combines Part A and Part B in one plan. Make sure your doctors, hospital, and medications are in-network.

PART D

MAPD plan — includes drug coverage
MA plan — if you have drug coverage elsewhere

May offer dental, vision, hearing & gym memberships

STEP 4

Let’s do this together

Schedule your appointment with me to enroll

We’ll do a final review and get all your questions answered along the way!

Schedule a Free Call 856.452.1272

I Can Help Guide You Through the Maze

I'll help you find the plan that fits your needs. Never a fee!

Get in Touch Today

Proudly Serving South Jersey

Kim works with clients retiring after 65 throughout South Jersey and the Philadelphia area. If you're in Burlington County, Camden County, or Gloucester County, she knows the local doctors, hospitals, and plans in your area. Learn more about South Jersey Medicare coverage →

Retiring After Age 65?

4 Things to Do Before You Retire After 65

I Can Help Guide You Through the Maze

Proudly Serving South Jersey