JULY 2026 BLOG
Medicare 101 for Minnesotans Turning 65: What You Need to Know Before You Enroll
By David Gebhardt, Keystone Insurance, LLC
Turning 65 is a milestone that comes with an important decision: Medicare.
Many people assume Medicare just starts automatically when they turn 65. Others believe they need to enroll immediately regardless of their situation. The truth is that Medicare enrollment depends on your circumstances, and making the wrong choice can result in penalties or coverage gaps.
If you’re approaching age 65 in Central Minnesota, here’s what you need to know.
Understanding the Parts of Medicare
Medicare is divided into several parts:
Part A Hospital coverage for inpatient care, skilled nursing facilities, hospice care, and some home healthcare.
Part B Medical coverage for doctor visits, outpatient services, preventive care, lab work, and durable medical equipment.
Part D Prescription drug coverage offered through private insurance companies.
Part C (Medicare Advantage) Private plans that replace Original Medicare and often include prescription drug coverage and additional benefits.
When Should You Enroll?
Your Initial Enrollment Period begins three months before your 65th birthday month and lasts until three months after your birthday month.
This seven-month window is your first opportunity to enroll in Medicare.
However, if you’re still working and covered by a qualifying employer health plan, your enrollment options may be different.
Minnesota Has More Options Than Most States
Minnesota is unique because many residents still have access to Medicare Cost Plans.
Cost Plans often provide additional flexibility for people who:
- Travel regularly
- Spend winters in another state
- Want more provider access
- Live in rural communities
Many Central Minnesota counties continue to offer Medicare Cost Plans.
Questions to Ask Yourself
Before choosing a Medicare plan, consider:
- Do I take prescription medications?
- Do I travel outside Minnesota?
- Are my doctors in-network?
- What is my monthly healthcare budget?
- Do I want predictable medical expenses?
Common Medicare Mistakes
Many people:
- Miss enrollment deadlines
- Assume Medicare is completely free
- Choose a plan based only on premium
- Don’t check provider networks
- Fail to review prescription drug costs
Final Thoughts
Every Medicare situation is unique. The best plan for your neighbor may not be the best plan for you.
Understanding your options before enrollment can help you avoid costly mistakes and feel more confident about your healthcare decisions.
Need help understanding your Medicare options?
David Gebhardt Keystone Insurance, LLC
Schedule a no-cost Medicare review and educational consultation.
This article is for educational purposes only and does not constitute enrollment advice. Benefits and availability vary by carrier and county.