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Medicare Eligibility and Enrollment

If you’re almost 65, you should be thinking about enrolling in Medicare. To help you, we’ve created the guide below, which takes you through the process of researching your options and enrolling. Remember, if you want to enroll in a Medicare Advantage or Medicare Supplement plan, you must already be enrolled in Medicare Part A and Part B (Original Medicare).

Eligibility Rules

Get an overview of important eligibility rules for the different types of Medicare plans, including Original Medicare, Medicare Advantage and Medicare Supplement.

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When to Enroll

Different circumstances affect when you can enroll in different Medicare plans, as well as when you can change your current plan. Understand these events and learn how they can impact your enrollment timeline.

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How to Enroll

We offer several options for enrolling—online, by phone, by mail or through an insurance agent. Choose the method you’re most comfortable with and be assured your application will be processed quickly and accurately.

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After You Enroll in MedMutual Advantage

As a new MedMutual Advantage plan member, you will receive a Welcome Kit in the mail with a variety of important documents and forms to help you get the most out of your plan. In this section, you can access these documents online, download and print new copies and view instructions for filling them out.

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Have Questions? We Can Help.

Speak with a Medical Mutual licensed insurance agent or call your insurance agent.

Call 1-866-406-8777 (TTY 711 for hearing impaired)

Mon. - Fri. 8 a.m. to 8 p.m.

Page last updated on 5/5/2021
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1-800-543-3241 (TTY 711)

When Can I Enroll in Medicare?

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Medicare Enrollment Eligibility

1. Enter Birth Date

Birth Date Required

2. Select Plan Type

Medicare Advantage
Medicare Supplement

Select Plan Type Required

Based on the birth date entered, your Initial Enrollment Period has ended. Learn more about your other enrollment options and how you can still get coverage here.

3 Months Prior

birth month

3 Months After

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

birth month

6 Months

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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