Medicare Enrollment: When to Sign Up

Key Medicare Enrollment Periods

Initial Enrollment Period (IEP)

Your 7-month IEP window

Your IEP is a seven-month window that starts three months before the month you turn 65, includes your birthday month, and extends three months after. This is the best time to sign up for Medicare Part A and Medicare Part B to avoid potential penalties and coverage gaps.

3 months before your 65th birthday month | Your 65th birthday month | 3 months after your 65th birthday month

General Enrollment Period

Occurs annually from January 1 through March 31 if you missed your IEP and do not qualify for a Special Enrollment Period.

Special Enrollment Periods (SEPs)

Available if you experience certain life events, like retiring from an employer plan or moving to a new service area, allowing you to enroll outside of standard periods without penalties.

Open Enrollment Period (for Medicare Advantage and Part D)

From October 15 to December 7 each year, you can switch between Medicare Advantage plans, return to Original Medicare, or change Part D plans.

Avoiding Medicare Penalties

Late Enrollment Penalties:

Part B Penalty: Missing your IEP for Part B may result in a lifetime penalty added to your monthly premium.
Part D Penalty: Not enrolling in a Part D plan when first eligible can also lead to long-term penalties.

How to Avoid Penalties:

Enroll in Medicare on time, review your coverage options annually, and reach out to a trusted Colorado Medicare expert like us to ensure you never miss a crucial deadline.

Need Help Understanding Your Enrollment Options?

Don't risk missing important deadlines or facing penalties. Our team of Medicare experts can guide you through the enrollment process and help you make informed decisions about your coverage.

Colorado Medicare Quote Call Michael 719-465-8547

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