Medicare Enrollment: Frequently Asked Questions
Medicare enrollment has specific deadlines and rules. Missing your enrollment windows can result in lifelong penalties. This FAQ helps you understand when to enroll, how to make changes, and what to do in special circumstances.
Common Questions
When can I first enroll in Medicare?
Your Initial Enrollment Period is the 7-month window around your 65th birthday: 3 months before, your birthday month, and 3 months after. Enrolling in the first 3 months ensures coverage starts on time without delays.
What is the Annual Enrollment Period?
The Annual Enrollment Period runs October 15 through December 7 each year. During this time, you can switch from Original Medicare to Medicare Advantage, change MA plans, or change Part D plans. Changes take effect January 1.
When can I change my Medicare plan?
Most changes happen during Annual Enrollment (October 15 - December 7). MA enrollees have an additional change opportunity January 1 - March 31. Special Enrollment Periods allow changes due to qualifying events like moving or losing coverage.
What happens if I miss my enrollment deadline?
Missing Initial Enrollment may require waiting until General Enrollment (January-March) with coverage starting July 1. You'll also face late enrollment penalties: 10% per year for Part B, 1% per month for Part D, lasting as long as you have Medicare.
Do I have to enroll in Medicare at 65 if I'm still working?
If you have employer coverage through your or your spouse's current employment at a company with 20+ employees, you can delay Medicare enrollment without penalty. When that coverage ends, you have 8 months to enroll in Part B.
Browse Other FAQ Categories
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Finding doctors, understanding networks, and keeping your providers
Medicare & Retirement
Transitioning from employer coverage, Social Security, and retirement planning
Have More Questions?
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