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Initial Enrollment Period is the three months before, the month of, and the three months after your 65th birthday. The effective date of your Medicare Coverage will depend on when you enroll. If you want Medicare Parts A and B to begin the month of your 65th birthday, you should enroll in the first three months of your Initial Enrollment Period. 

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The Annual Election Period (AEP) begins October 15th and ends December 7th of each year. Medicare beneficiaries that already have Part A and Part B can use this election period to enroll in, change, or disenroll from a Part D or Medicare Advantage plan.

 

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You can enroll during a General Enrollment Period if you did not enroll in Medicare when you first became eligible for it  or if you're not eligible for a Special Enrollment Period. The General Enrollment Period takes place January 1 through March 31 each year, with coverage starting July 1. You may have a Part B late enrollment penalty and face gaps in coverage if you sign up during the General Enrollment Period. 

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Medicare Advantage Open- This enrollment period is for beneficiaries who already have a Medicare Advantage plan but want to leave it. During the MAOEP window, from January 1st-March 31st, you can switch from your current Advantage plan to another or enroll in Original Medicare with a Part D plan.

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A Special Enrollment Period is used anytime a beneficiary has qualifying event. If you delayed Medicare past age 65 due to creditable coverage through active employment, you could use this enrollment period to apply for Medicare A and B. There are also Special Election Periods (SEP) for Medicare Advantage and Part D plans. If you have a qualifying event, you will have a 2-month window to enroll in either a Medicare Advantage plan or Part D plan.

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Medigap Open Enrollment Period- When you first enroll in Medicare Part B, you have 6 months before your Part B effective date and 6 months after, to enroll in a Medigap plan without answering health questions. If you are outside of this window, and do not have a qualifying event, you may have to answer health questions to enroll in a Medigap plan.

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Contact the Social Security Administration to enroll

in Medicare Parts A & B at 1-800-772-1213

OR

Apply for Medicare Parts A & B online by clicking the button below