Medicare enrollment
What do I need to know about enrolling in Medicare?
The first thing you need to know is whether you are eligible. If you are 65 or older, have a qualifying disability or have a diagnosis of end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS, also called Lou Gehrig’s disease) at any age, you should be eligible to enroll in Original Medicare. Check your eligibility.
Medicare is available to U.S. citizens and legal residents who have lived in the United States for at least 5 years in a row before applying.
Check your Medicare eligibility
See if you qualify for Medicare based on age, retirement or disability
When can I enroll in Medicare?
The first time you can enroll in Medicare is called your Initial Enrollment Period (IEP). You can become eligible to receive Medicare benefits by turning 65, having a qualifying disability, or having a diagnosis of end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS, also called Lou Gehrig’s disease).
If you become eligible for Medicare due to age or disability, you will have a 7-month IEP. The rules for enrolling are different if you have a qualifying medical condition.
Learn more about when to enroll
What is the Medicare Initial Enrollment Period?
Your Initial Enrollment Period (IEP) is the first time you can sign up. If you’re like most people, you will become eligible to enroll when you turn 65. If you keep working past age 65 and delay enrollment, your IEP will be later. If you have a qualifying disability or medical condition, your IEP will be sooner.
During your IEP, you can enroll in Medicare Part A, Part B, Medicare Advantage (Part C) and Medicare Part D prescription drug plans without penalty.
Medicare Advantage plans may not be available in all states and territories.
How do I enroll in Medicare?
Original Medicare is provided by the federal government. It has two parts: Part A hospital insurance and Part B medical insurance.
Medicare Advantage plans, Medicare Part D prescription drug plans, Medicare Supplement insurance (Medigap) plans, and Medicare Special Needs plans (SNPs) are offered by private insurance companies. Each plan type has its own rules for enrolling or applying.
When can I change Medicare plans?
You can make changes to your Medicare coverage during a few key times:
- The Annual Enrollment Period (AEP) from October 15 to December 7
- The Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31
- A Medicare Special Enrollment Period (SEP) for qualifying life events; dates vary based on qualifying event
Should I enroll in Medicare if I plan to work past age 65?
If you plan to work past age 65 and have health insurance through your employer, you may be able to delay enrolling in Medicare without penalty. Your Medicare enrollment options will depend on the size of the employer and if your insurance is considered creditable.
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