When can I sign up for Medicare?
There are certain times when you can sign up for Medicare. Learn when you’re eligible to enroll and how to switch plans if you need to.
Do you know when it’s time to enroll in Medicare? Enrolling in Medicare is tricky if you don’t know when you’re eligible. We’ll cover the time periods you need to know.
First chance to enroll in Medicare (Medicare Initial Enrollment Period)
When you’re first eligible for Medicare around age 65, you have a 7-month window to enroll.
Signing up for Medicare: Tip!
Need coverage the month you turn 65? Sign up in the 3-month window before your birthday.
During your seven-month Medicare Initial Enrollment Period window, you can enroll in Original Medicare Parts A and B, which includes coverage for inpatient hospital, skilled nursing facility and long-term hospital care, as well as coverage for medical services. Or you can enroll in a Medicare Advantage plan (a plan that provides your Part A and B benefits) and/or Medicare Part D (prescription drug coverage). For more on what is covered in different parts, check out Medicare parts explained.
Medicare late penalties
If you don’t enroll in Medicare when you’re first eligible, you may end up paying a late penalty when you sign up later for Medicare Part B and/or D.
Delaying Medicare coverage without penalty
You can delay your Medicare Part B (medical coverage) enrollment without penalty, if you have health insurance through a current job or are a dependent on your spouse’s active plan. Once the spouse with employer coverage stops working – whether it’s you or your partner – you have eight months to sign up for Part B.
Medicare Annual Enrollment Period
Not happy with the plan you chose? If you have a plan from a private insurance company or want a plan in addition to Original Medicare, you can do this during the Medicare Annual Enrollment Period. This happens every year from Oct. 15 – Dec. 7.
Changing Medicare plans
There are special times when you can sign up for a Medicare plan outside of annual enrollment or your initial enrollment period. This is called a special enrollment period.
These times include when:
- You move: Whether it’s moving to a new city or new address, or moving into a nursing home – you’ll be able to change or enroll in a new plan
- You want to switch to a 5-star Medicare plan. These plans are considered “excellent” by Medicare. You can make the switch once to a 5-star plan anytime starting Dec. 8 – Nov. 30
- You lose your current coverage (unless it’s cancelled for not paying your monthly premiums)
- Your plan changes its contract with Medicare
- You are released from jail
There are other special cases. Visit medicare.gov to find out more.