Don’t’ miss your window, there’s a penalty!
Mark your calendar the 1st day of the 3rd Month before your birth MONTH when you will turn 65.
NOTE: This is separate from and not the same as Social Security. However, you can go to your nearest Social Security office if you have Medicare enrollment questions.
Medicare is not a full coverage plan, unless you have the Medicare Advantage Plan. Therefore you should purchase gap insurance.
If you want to do-it-yourself: Go to Medicare.gov and you can enter “choosing a medigap policy” in the search box … then look for the publication in .pdf format that explains the different coverages.
Then go to medigap insurance plan finder to find which companies sell the gap coverage you want to purchase and what the premium might be.
Alternatively, you can have an agent who specializes in Medigap coverage help you find and purchase a plan.
If you have any questions, I am not an expert in the health insurance arena. However, James Holt is.