Medicare Enrollment Periods Know When to Enroll

 

Timing is everything when it comes to Medicare. Enrolling during the right period ensures you avoid late penalties and get the coverage you need.

 

Initial Enrollment Period (IEP)

 

Who It’s For?

People turning 65
You can sign up for Medicare during a 7-month window:

• Starts 3 months before the month you turn 65

• Includes your birthday month

• Ends 3 months after your birthday month

✅ Enroll on time to avoid penalties and get full coverage.

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General Enrollment Period (GEP)

 

When: January 1 – March 31
If you missed your Initial Enrollment, this is your chance to enroll in Part A and/or Part B.
📌 Coverage begins July 1, and late penalties may apply.

 

Annual Enrollment Period (AEP)

 

When: October 15 – December 7
During this time, you can:

• Join, switch, or drop a Medicare Advantage (Part C) plan

• Add, switch, or drop a Part D prescription plan

✅ Changes take effect on January 1 of the next year.

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Medicare Advantage Open Enrollment Period

 

When: January 1 – March 31
Only for people already enrolled in a Medicare Advantage (Part C) plan.

You can:

• Switch to another Medicare Advantage plan

• Go back to Original Medicare and enroll in a Part D plan

 

Special Enrollment Periods (SEPs)

 

You may qualify for a Special Enrollment Period if:

• You lose employer coverage

• You move to a new area

• You qualify for Medicaid or Extra Help

• You’re eligible for a 5-star plan

📌 SEPs allow you to enroll or change plans outside of standard periods.

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Need Help Understanding When You Can Enroll?

 

Our certified Medicare advisors are here to guide you. We’ll help you avoid penalties, choose the right plan, and enroll at the right time.

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