Enrollment FAQs

Medicare Enrollment: Guidelines & Periods

Medicare enrollment involves understanding the various periods and conditions under which you can sign up. It’s essential to be aware of the timelines to avoid penalties and ensure continuous coverage

When should I enroll in Medicare for the first time?

Most people enroll in Medicare around age 65. Some may qualify earlier with a disability or medical condition. Your Initial Enrollment Period (IEP) is a 7-month window starting 3 months before and ending 3 months after your 65th birthday month.

What is the Medicare Initial Enrollment Period (IEP)?

The IEP is your first chance to sign up for Medicare, spanning 7 months around your 65th birthday. Eligibility can also come from receiving Social Security Disability Insurance (SSDI) for 24 months or having End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).

During the IEP, you can:

Enroll in Original Medicare (Part A & Part B)
Delay Part B if you have creditable coverage
Sign up for Medicare Advantage (Part C)
Enroll in a Medicare Part D plan

What happens if I miss my Initial Enrollment Period?

If you miss your IEP, you can sign up during the General Enrollment Period (GEP) from January 1 to March 31. However, this may result in late enrollment penalties

Will I have to pay late enrollment penalties if I miss my Initial Enrollment Period?

Yes, missing your IEP can lead to late enrollment penalties, which means higher premiums for Part B and Part D.

When can I enroll in Medicare?

Beyond the IEP and GEP, you can enroll during Special Enrollment Periods (SEP) if you have qualifying life events such as losing employer coverage.

When can I join, switch or drop a Medicare plan throughout the year?

You can make changes to your Medicare plan during the Annual Enrollment Period (AEP) from October 15 to December 7, and during the Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31. SEPs are also available for qualifying life events.