Like WhisperJet said, but I would add that getting the medical certificate process begun early (before retiring/separating) would be good to do.
If, after checking with AOPA medical, or a trusted AME, etc, it turns out you are potentially looking down the barrel of a lengthy deferral (I hope not, but you never know) ... at least you will have the lead time to work it.
Best case, the issues are like you suspect, non-issues, and you carried an unneeded class one medical for a few extra months.
Worst case, you are still serving (read: gainfully employed) for the chunk of time you need to sort out the deferral.