Medicare Enrollment

You are eligible for Medicare Part A and Part B when you turn 65, but you have specific enrollment periods you must follow. If you miss your opportunity, you must wait until the General Enrollment Period to enroll or make changes.

Initial Medicare Enrollment Period

Everyone is eligible for Medicare Part A and Part B three months before their 65th birthday. If you already receive Social Security benefits, you don’t need to sign up – Medicare automatically enrolls you and mails you your red white and blue Medicare card.

If you aren’t receiving Social Security benefits, you are eligible to enroll in Medicare Part A and Part B three months before your 65th birthday, the month you were born, and up to three months after you turn 65. If you don’t enroll during that time, you must wait for the General Enrollment Period.

Special Enrollment for Medicare

If you miss your Initial Enrollment Period, you may be eligible for a Special Enrollment Period. This applies if you are still working and have creditable healthcare coverage through your employer. Once your employment ends or your group health plan ends, you have a Special Enrollment period that lasts eight months after you lose coverage. If you sign up for Medicare Part A and/or Part B during your SEP, you may not pay a late enrollment penalty.

General Enrollment Period

Each year, Medicare offers a general enrollment period from January 1 – March 31. You are eligible to sign up during this time if you didn’t sign up when you were initially eligible, or you aren’t eligible for a Special Enrollment Period.

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Medicare Advantage Open Enrollment

If you prefer to sign up for a Medicare Advantage plan through a private insurer, your open enrollment period is October 15 – December 7. You must be enrolled in Medicare Part A and Part B to get a Medicare Advantage plan, though.

Get Help Applying for Medicare

At Senior Insurance Representatives, we know it’s hard to figure out the ins and outs of Medicare coverage. We’re here to help you apply for Medicare Part A and Part B, and to assist you in choosing the proper Medicare Advantage plan, prescription drug plan, or Medicare Supplement plan that’s right for you. Call us today at 1-800-327-7888 to learn more about your options.