Map the gap before Medicare
Retirement and Medicare do not always start together. Put the dates side by side, then make a separate plan for each person in your household.
https://sjiadvisory.com/resources/coverage-timeline/
Build your coverage timeline
No contact detailsCalculations stay in this page. Inputs are not submitted or saved by these tools. Keep a printed copy if you need it later.
How to use the timeline
The first day needing replacement coverage is the day after your current plan ends. The bridge ends the day before the Medicare start month you enter. The calendar-month count includes partial months; it does not estimate premiums.
Example: current coverage ends June 30, 2027 and Medicare starts October 1, 2027. The bridge is July 1 through September 30: 92 days across three calendar months. If COBRA ends August 31, another 30 days need a plan.
Before choosing a bridge
Checks and notes stay in this page and are not submitted or saved by SJI. Avoid entering account numbers or medical details. Print for your records.
A date planner, not a Medicare enrollment decision
This tool does not determine Medicare eligibility or advise delaying enrollment. COBRA and retiree coverage generally do not count as coverage based on current employment for delaying Part B. Confirm your situation directly with Medicare before using a later start date.
Sources and review
Reviewed October 30, 2026. Rules and plan details can change. The insurer, plan administrator or Marketplace confirms your actual eligibility, benefits and dates.