Enrollment Periods
Since Medicare is made of many different parts, it comes with many different enrollment periods. These can be overwhelming and downright confusing. However, working with our licensed agents can ensure that you have the proper plan of enrollment and avoid any late enrollment penalties.
Initial Enrollment Period (IEP)
Your initial enrollment period is when you are first eligible to enroll in Parts A, B, C, and D, and is a 7 month period that takes place 3 months before the month of your 65th birthday and then three months after the month of your 65th birthday.
3 months before your 65th birthday
The month of your 65th birthday
3 months after your 65th birthday
Medical Supplement Open Enrollment Period
Overlapping with your initial enrollment period is you Medicare Supplement Open Enrollment Period, which allows you to enroll into a Medicare Supplement Plan. This period is 6 months long and starts when you are over 65 and enrolled in Part B.
65 or older and enrolled in part B
6 months after the month your are older than 65 and enrolled in part B
Special Enrollment Period: Working past 65
Working Past 65? If you have health insurance through your employer that is considered "Creditable Coverage" and the employer's plan has more than 20 plan participants then you can delay your Medicare enrollment until you retire or leave that employer coverage. Once you retire, you will incur a Special Enrollment Period which is an 8 month period that allows you to enroll in Parts A and B.
Month after the last month of employement or employee health coverage
2 months to enroll in parts C & D
8 months to enroll in part A & B
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