Important dates made simple.
Understanding Medicare Enrollment Periods
Medicare enrollment periods can feel confusing, but understanding your options is essential for choosing the right coverage at the right time. Whether you’re enrolling for the first time, making changes to your existing plan, or qualifying for a special enrollment period, our team is here to help simplify the process and guide you every step of the way.
Initial Enrollment Period (IEP)
Your first opportunity to enroll in Medicare, beginning six months before your 65th birthday and ending three months after.
Annual Enrollment Period (AEP)
Runs from October 15 to December 7 each year, allowing you to review and change your Medicare coverage for the upcoming year.
Special Enrollment Period (SEP)
Available for qualifying life events such as moving, losing coverage, or other special circumstances that allow changes outside standard enrollment periods.
6-month period around your 65th birthday
Initial Enrollment Period (IEP)
When: 6 months before your 65th birthday month, your birthday month, and 6 months after
Your Initial Enrollment Period is the first time you can sign up for Medicare. Enrolling during this 7-month window helps you avoid delays in coverage and potential late enrollment penalties. It’s the ideal time to review your options and choose a plan that fits your healthcare needs. Our advisors are here to guide you through the process and make enrollment simple and stress-free.
Yearly period to change your Medicare coverage
Annual Enrollment Period (AEP)
When: October 15 – December 7
The Annual Enrollment Period gives you the opportunity to review and update your Medicare coverage each year. During this time, you can switch plans, adjust your coverage, or enroll in a new Medicare Advantage or Part D plan. Reviewing your options annually helps ensure your coverage continues to match your healthcare needs and budget.
