Senior Living



Please simplify Medicare’s enrollment process



I need to make the right Medicare decision because I turn 65 in August and have not had a health plan for 2 years. I do not know where to start or what to do. My friends are advising me that if I do not sign up for Medicare when I turn 65, I will be making a major Medicare mistake.

Can you please simplify the Medicare enrollment process? Thanks, Toni.

--Cynthia from Alvin, Texas

Hi Cynthia:

Medicare is exploding with an American turning 65 every 8 seconds. This means 10,000 baby boomers are entering Medicare every day for the next 7-plus years. Simplifying enrollment and understanding Medicare is what the Toni Says Medicare team specializes in. No one wants to make the wrong Medicare or medical decision, which only adds stress to getting older.


The Medicare basics America needs to know are:

1. Remember to enroll at the right time:

a. If turning 65 and receiving your Social Security check, your “Welcome to Medicare” kit will be mailed to you with your Medicare card 90 days before you turn 65.

b. If turning 65 and NOT receiving your Social Security check and not working full time with true employer group health insurance from either you or your spouse’s work, you will want to enroll in Medicare Parts A and B online via


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