When to Apply for Medicare?
Need an affordable or
$0 premium Medicare Plan?*
When to Apply for Medicare
- Initial Enrollment Period (IEP)
- Special Enrollment Periods (SEPs)
- General Enrollment Period (GEP)
Choosing the right time to enroll in Medicare ensures that you receive coverage when you need it—without incurring unnecessary fees or gaps in care. While age is the most common milestone, there are multiple enrollment windows to consider based on individual circumstances.
Initial Enrollment Period (IEP)
Most people apply for Medicare during their Initial Enrollment Period. This seven-month window starts three months before your 65th birthday month, includes your birthday month, and ends three months after. Enrolling early in your IEP typically begins your coverage sooner and helps you avoid penalties.
Special Enrollment Periods (SEPs)
If you or your spouse continue working past age 65 and have employer-sponsored insurance, you may qualify for a Special Enrollment Period once that coverage ends. SEPs also apply to certain life events, such as moving to a new service area. During this time, you can sign up for Medicare without facing a late penalty—provided your previous coverage is considered “creditable.”
General Enrollment Period (GEP)
If you miss your IEP and don’t qualify for an SEP, you still have another chance during the General Enrollment Period, which runs from January 1 to March 31 each year. However, coverage typically starts on July 1, and you may face higher premiums due to late enrollment.
Find a $0 premium
Medicare plan today.
Speak with a licensed insurance agent
TTY 711, 24/7
Our Agents
How does it work?
Discover Plans
We’ll gather a few details to identify the best insurance plans in your area.
Personalized Review
Our team will review your information to find plans that match your needs.
Agent Name
Licenced Agent
Talk with a Licensed Agent
Our dedicated insurance professional will reach out to discuss your options.
Enroll with Confidence
We’ll help you complete enrollment quickly and easily in the plan you choose.
we’re here to all your questions
Over the years, we’ve helped countless seniors navigate their coverage choices and find the plan that works best for them.
1. How Can a Medicare Advantage Plan Fulfill My Healthcare Needs?
Medicare Advantage (Part C) typically bundles hospital, medical, and sometimes prescription drug coverage into a single plan. Many also include extra perks, such as dental or vision coverage. This can help lower your overall costs and streamline your benefits.
2. Do Any Plans Offer Surprising Extras?
Yes! Certain Medicare Advantage plans go beyond basic coverage to include perks like gym memberships, transportation to medical appointments, or allowances for over-the-counter items. These extras can make a significant difference in both convenience and savings.
3. Why Not Just Rely on Official Government Resources?
While sites like Medicare.gov are informative, the volume of information can be overwhelming. We make it easier by focusing on your specific health needs, location, and budget—so you won’t waste time sifting through every possible plan.
4. What If I Missed My Initial Enrollment Opportunity?
If you didn’t sign up for Medicare during your initial window, you may still qualify for a Special Enrollment Period (SEP) if you’ve had certain life changes (such as moving or losing other coverage). Otherwise, there are set times each year to enroll or switch plans—making it essential to know your options and deadlines.
