Medicare

If you are newly eligible for Medicare, you can enroll in Medicare Parts A and B, and a Medicare Advantage Plan during your Initial Enrollment Period. This seven-month period includes the three months before the month you turn age 65, your birth month and three months after your birth month; or after your 24th month of receiving disability benefits.

To enroll in a Medicare Advantage plan you must first have Medicare Part A and Part B. You may also be able to enroll during other times of the year. Learn more on our When to Enroll page.

If your birthday is the first of the month, you will be treated as though you turned 65 the month prior and your Initial Enrollment Period will reflect this.

H4497_H6723_WS_2016_Jun15 CMS Approved

The best time to purchase a Medicare Supplement plan is during your six-month open enrollment period when your acceptance is guaranteed. For most people, this period starts the first day of the month you turn 65 and are enrolled in Medicare Part B. If you enroll in Part B coverage after the month you turn 65, your six-month open enrollment period begins the month your Part B coverage becomes effective.

If you don’t enroll in a Medicare Supplement plan during your open enrollment period, you can still enroll at any time, but may be subject to a complete medical review and will not have guaranteed acceptance in a plan.

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