Medicare Enrollment Periods

Medicare has specific enrollment periods for people who are turning 65 or have just reached that milestone. If you need coverage, it's a good idea to sign up as soon as you're eligible. Doing so helps you avoid any gaps in coverage or extra costs down the road—some of which could potentially last as long as you’re on Medicare.

Initial Enrollment Period (IEP)
Your first chance to sign up for Medicare is during a 7-month window around your 65th birthday. This includes the three months before you turn 65, your birthday month, and the three months after. It’s a great time to explore your options and get set up with the right coverage.

Annual Election Period (AEP)
Each year, from mid-October to early December, you can review and make changes to your Medicare plan. Whether you want to switch plans or join or drop a Part D prescription drug plan, this is the perfect time to adjust your coverage if your needs have changed.

Medicare Advantage Disenrollment Period
If you’re in a Medicare Advantage plan and decide it’s not the right fit, you can switch out between January 1st and mid-February. You’ll be automatically enrolled back into Original Medicare, and you’ll also have the option to pick up a separate Part D drug plan.

Special Enrollment Periods (SEP)
Sometimes life doesn’t fit into set schedules, and Medicare understands that. Special Enrollment Periods are available for certain situations—for example, if you had health coverage through work and retire after turning 65. As long as you sign up during the three months before your Part B starts, you won’t face any penalties. Other qualifying events include moving out of your plan’s service area, becoming eligible for Extra Help with drug costs, or qualifying for both Medicare and Medicaid.