To Do list:

  1. If you are contributing to a Health Savings Account (HSA), you must stop contributions 6 months before enrolling in any part of Medicare, including Parts A or B.
  2. One year before retirement, learn about Medicare basics, including when to enroll.
  3. Six months before retirement learn about supplemental policies such as JHU retiree medical, Advantage plans, or Medigap and Part D policies.
  4. Three months before you want Medicare coverage to begin, enroll through social security.
    • If applicable, request the CMS L-564 form from the Benefits Service Center.
  5. Once enrolled in Medicare Parts A and B, enroll in a supplemental and prescription plan. This might be the JHU retiree medical or a Medigap policy, Part D or an Advantage Plan.

NOTE: When you retire from JHU and are age 65+, you MUST enroll in Medicare Parts A and B. This is true even if you are electing the JHU retiree medical benefit.



  • Read the “Medicare & You” handbook
  • Browse the official Medicare website
  • Attend a workshop hosted by your local SHIP office (the State Health Insurance Assistance Program)
  • Watch a Pre-Retirement Program video covering this topic


Enrollment – through Social security

  • Social Security will mail your Medicare enrollment form about 3 months before your 65th birthday if you are collecting your social security benefit
  • Enroll in Medicare only
  • Enroll in Part B only


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