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Understanding Medicare Enrollment Periods

Medicare has very specific timeframes in which you MUST enroll. Failing to do so can result in paying penalties when you finally do enroll!

What Is My Initial Enrollment Period?

This is the first time you’re eligible to sign up for Medicare. You can enroll three months before or after your 65th birthday. Can are eligible to sign up for Medicare Parts A, B, C and D.

What Is The Special Enrollment Period?

This is for individuals who choose to keep their current insurance past their 65th birthday. You can apply for Parts A and B 8 months after your coverage ends, and Parts C and D 63 days after your coverage ends.

What Should I do If I Miss The Initial and Special Enrollment Periods?

You will have two options at this point, the General Enrollment Period from January 1 to March 31 for Parts A and B, and the Open Enrollment Period October 15 to December 7 for Parts C and D.

When Am I Eligible To Sign Up For Medigap?

The Medigap Open Enrollment 6-month period starts the month that you turn 65 AND are enrolled in Part B.

If you do not apply for Medigap coverage at this time, insurance companies may choose to NOT sell one to you at a later date!

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