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Medicare Enrollment Periods
Understanding when you can enroll is crucial to avoiding penalties
How We Help You Enroll
Frequently Asked Questions
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Expert Answers
When is Medicare Initial Enrollment Period?
The Medicare Initial Enrollment Period (IEP) is a 7-month window that includes the 3 months before your 65th birthday month, your birthday month, and the 3 months after. This is your first opportunity to enroll in Medicare Part A and Part B without penalties.
What is the Medicare Annual Enrollment Period?
The Annual Enrollment Period (AEP) runs from October 15 through December 7 each year. During this time, you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or add, drop, or change Part D prescription drug coverage. Changes take effect January 1.
What happens if I miss Medicare enrollment?
Missing your Initial Enrollment Period can result in permanent penalties. The Part B Late Enrollment Penalty is 10% for each full 12-month period you could have had Part B but didn’t sign up. Part D also has a penalty of 1% of the national base premium per month of delay. These penalties are added to your premiums for life.
When should I sign up for Medicare?
Most people should enroll during their Initial Enrollment Period starting 3 months before turning 65. If you have employer coverage, you may be able to delay enrollment. Contact us to discuss your specific situation.
What happens if I miss my enrollment period?
Late enrollment can result in permanent penalties. The Part B penalty is 10% for each 12-month period you could have enrolled but didn’t. Part D has a similar penalty. We can help you understand your options.
Do I need to enroll if I’m still working?
If you have employer coverage through your or your spouse’s job (with 20+ employees), you can delay Medicare enrollment. When the employer coverage ends, you’ll have a Special Enrollment Period to enroll without penalties.
How do I apply for Medicare?
You can apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. We can guide you through the process and help you choose additional coverage.