Enrollment
When can you enroll in Medicare?
Medicare has several enrollment windows. Knowing which one applies to you helps you avoid gaps in coverage and unnecessary penalties.
IEP — Initial Enrollment Period
Your Initial Enrollment Period is a 7-month window centered on your 65th birthday: the 3 months before your birthday month, your birthday month itself, and the 3 months after. This is typically the first chance most people have to enroll in Medicare.
SEP — Special Enrollment Period
A Special Enrollment Period is triggered by certain life events — most commonly, losing employer group coverage or moving to a new service area. SEPs let you enroll or change coverage outside the usual windows without waiting for the next general opportunity.
GEP — General Enrollment Period
If you missed your Initial Enrollment Period and don't qualify for a Special Enrollment Period, the General Enrollment Period (January 1 – March 31 each year) gives you another chance to sign up for Part A and/or Part B.
AEP — Annual Enrollment Period
The Annual Enrollment Period runs October 15 – December 7 every year. If you're already on Medicare, this is your annual opportunity to switch Medicare Advantage or Part D prescription drug plans for the coming year.
Late enrollment can cost you. Missing your Initial Enrollment Period and not having other qualifying coverage can lead to late enrollment penalties for Part B and Part D that may last for as long as you have that coverage. Visit Penalties to see how these penalties are calculated.
Next: compare your coverage options
Once you know when to enroll, it's time to understand Medicare Advantage vs. Medigap.
Continue to Coverage Options