Medicare Enrollment Periods
Initial Enrollment Period
Anytime during the seven month period three months before, the month of and three months after your 65th birthday.
Your Medicare Part A and Part B coverage start date will depend on when you enroll.
If you enroll during the three months before your 65th birthday, your coverage begins the month in which you first become eligible for Medicare
If you enroll the month of your 65th birthday (4th month of IEP), your coverage begins the month following the month of your enrollment
If you enroll the month after your 65th birthday (5th month of IEP), your coverage begins the second month following the month of enrollment
If you enroll during the sixth and seventh month of your IEP, your coverage beings the third month following the month of enrollment.
Here’s an example of when your coverage would begin based on a June Birthday:
If you turn 65, on June 1st, your IEP period is from February 1st- August 31st.
Fall Open Enrollment
October 15-December 7 with new coverage starting on January 1 for the following year. You can change plans as many times as you need to during Fall Open Enrollment.
Special Enrollment Period
These are enrollment times that are outside of the Initial Enrollment periods/normal enrollment periods and are triggered by special circumstances.
General Enrollment Period
Takes place January 1 through March 31 each year with coverage starting July 1. You would sign up in this period if you didn’t sign when you first became eligible for Medicare during your IEP or SEP. You may incur a late enrollment penalty for Part B and could face a gap in coverage.
Enrollment Guide: How & When to Enroll?
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