Medicare Enrollment Period
Enrolling in Medicare can be confusing. In 2020, about 1.4% of beneficiaries – and estimated 776,200 people – paid a late enrollment penalty, which drove their monthly cost up about 27%. A late enrollment penalty is 10% for each 12-month period an eligible person goes without Medicare Part B.
Individuals can only sign up for Medicare during one of the below enrollment periods.
Initial Enrollment Period (IEP)
People become eligible for Medicare Part A (hospital care) and Medicare Part B (outpatient care) the first day of the month they turn 65. If your birthday is on the first of the month, your Medicare coverage will start on the first day of the month before your birthday month. Individuals do not need to sign up if they have coverage through an employer who has more than 20 employees. Groups under 20 may require enrollment into Medicare to reduce the premium they pay for employee health benefits.
People who want to sign up have a seven-month period to apply. Unless your birthday is on the first of the month, then your Medicare coverage will start on the first day of the month before your birthday month.
For those who sign up during the month they turn 65 or the three months that follow, Part A coverage takes effect the month they turn 65. Coverage begins the month after a person signs up during their IEP. The start date for Part B coverage for this group varies, from the month after they turn 65 to as many as six months after they turn 65, depending on when they submitted their application. Coverage begins the month after a person signs up during their IEP.
Individuals who start receiving Social Security Benefits before age 65 are automatically enrolled in Part A and Part B the first day of the month they turn 65. They can opt out of Part B if they or a spouse are on an employer-sponsored health plan due to active employee-status, and their employer is over 20 employees or doesn’t require their enrollment into Medicare.
General Enrollment Period (GEP)
This Medicare Part B sign-up period is for individuals who did not apply during their IEP or a Special Enrollment Period. People can sign up between January 1–March 31 each year. Coverage will start the month after the person signs up.
Special Enrollment Period (SEP)
The sign-up period is for special situations. For example, people who leave employer-sponsored coverage after turning 65 have up to eight months to sign up for Medicare Parts A & B without incurring a late enrollment penalty. When signing up for Medicare, you will also be required to submit a Request for Employment Information form showing that you were covered by an employer-sponsored plan while eligible for Medicare.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
