Turning 65 in New York: your Medicare sign-up window
Updated: 23 hours ago
By Marie Jeanne Kaba, MBA | TETEEMA GROUP LLC
You have a seven-month window to sign up for Medicare. Miss it, and you could pay a penalty for as long as you have coverage.
For most people, the Initial Enrollment Period starts three months before the month you turn 65 and ends three months after it, seven months in total.
Why timing matters
If you delay Part B without other qualifying coverage, you may pay a monthly late-enrollment penalty for as long as you have Part B, and it grows the longer you wait. People who are still working and covered by an employer plan may have a Special Enrollment Period, but the rules are specific, so check before you skip enrollment.
Questions to ask yourself
Will I keep working, and does my employer's plan count?
Do I want Original Medicare with a Supplement, or a Medicare Advantage plan?
Are my doctors and prescriptions covered?
You can find official information at Medicare.gov and compare plans with the Medicare Plan Finder.
Free help, in your language
Medicare consultations with our licensed broker are always free and held in person at our office. We compare options side by side and explain them in plain language.
We do not offer every plan available in your area. Currently we represent 6 organizations which offer 47 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Want help with this? Call 718-880-4485, WhatsApp 646-852-0774, or walk in at 451 Rockaway Avenue, Brooklyn.
This article is general information, not tax, legal or insurance advice. Your situation may differ.
About the author
Marie Jeanne Kaba, MBA, is the founder and CEO of TETEEMA GROUP LLC in Brooklyn, New York. She is an IRS Certifying Acceptance Agent, has been NYS licensed for more than 20 years, and holds an MBA in Finance from St. John's University. She serves clients in English and French.
© 2026 TETEEMA GROUP LLC. Written by Marie Jeanne Kaba, MBA. You're welcome to share a link to this article. If you quote it, please name TETEEMA GROUP LLC and link to the original page.
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