Turning 65 is a Milestone.
Enrollment is the Next Step.
Your Initial Enrollment Period (IEP) is a 7-month window around your 65th birthday. Missing it can mean lifetime penalties. We help you get it right the first time.
Understanding Your Timeline
You have a 7-month window to enroll in Medicare Part A and Part B without penalty. This is called your Initial Enrollment Period.
3 Months Before
Your window opens. You can sign up for Medicare Parts A & B now so coverage starts the month you turn 65.
Birthday MonthActive
Happy Birthday! If you enroll this month, coverage typically starts the next month.
3 Months After
Your window closes. Enrolling late may result in coverage gaps and late enrollment penalties.
Why Timing Matters
- Avoid Penalties: Late enrollment in Part B or D can lead to lifetime penalties added to your premiums.
- Prevent Gaps: Ensure your coverage begins exactly when you need it to avoid paying out-of-pocket for medical care.
- Full Options: During your IEP, you can choose any Medicare Advantage or Supplement plan available in your area.
You might be able to delay Part B without penalty. Talk to us to confirm. Already have a penalty? Find out how we can help you eliminate your Medicare penalties.
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