Turning 65 in Mustang and still working? Here is how Medicare timing works

Turning 65 in Mustang: what to do first

Plenty of people in Mustang keep working past 65. Whether you retire on your birthday or years later, the order you do things in decides whether you can get a Medicare Supplement without health questions.

The window that matters most: Medigap Open Enrollment

Your Medicare Supplement (Medigap) Open Enrollment Period is a one-time, 6-month window. It starts the first month you are 65 or older and have Medicare Part B. During it, a company can't refuse to sell you any Medigap policy it offers in Oklahoma and can't charge you more because of pre-existing health problems. After it ends, you may not be able to buy a policy, or it may cost more.

Still working at 65

If you or your spouse have job-based coverage, you may be able to delay Part B. Medicare gives you a Special Enrollment Period while you have that coverage and for 8 months after the job or the coverage ends, whichever happens first. COBRA doesn't extend that window. Your Medigap Open Enrollment Period starts when you sign up for Part B, so don't take Part B early "just because" if you plan to keep your employer plan. Time it with Jeff. See retiring or losing employer coverage.

Next steps

1. Confirm your Part A and Part B start dates with Social Security or Medicare.gov.
2. Mark your 6-month Medigap window, which starts with Part B once you are 65.
3. Compare Medicare Supplement plan letters and add Part D drug coverage.
4. If a supplement premium doesn't fit your budget, we can also review Medicare Advantage plans I offer.

Nearby: Medicare Supplement in Mustang · Age 64 checklist · Medicare at 65 in Oklahoma. Already have a supplement? Oklahoma's birthday rule may let you change plans each year.

Sources (checked Oct 30, 2026): Medicare.gov: Medigap Open Enrollment Period · Medicare.gov: When can I sign up for Medicare? · Medicare.gov: When can I buy a Medigap policy?

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