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When you become eligible for Medicare, you will need to keep in mind certain enrollment periods for Medicare, Part A and B, and purchasing a plan in order to avoid penalties or medical expenses.
Medicare Part A and B Enrollment Periods
Remember to sign up for Medicare when you first become eligible, otherwise you may have to pay a lifetime penalty when you do decide to enroll.
|Initial Enrollment||7-month period beginning 3 months before the month you turn 65, the month you turn 65, and 3 months after the month you turn 65|
|General Enrollment||January 1 – March 31
(Available to individuals who did not sign up during their Initial or Special Enrollment periods. Coverage will begin July 1)
|Special Enrollment||Available for individuals who did not sign up for Medicare because they were receiving credible coverage through their employer or spouse’s employer. You may enroll:
Medigap or Medicare Supplement Enrollment Periods
|Open Enrollment||6 months from when you begin Medicare Part B
(You will NOT need to answer health questions)
|Outside Open Enrollment||You may purchase a Medigap policy at any time
(You WILL need to answer health questions)
Medicare Advantage (Part C) and Prescription Drug Plan (Part D) Enrollment Periods
|Initial Enrollment||7-month period from when you begin Medicare Part B
(Includes 3 months prior to your birth month, your birth month and 3 months following your birth month)
|Open/Annual Enrollment||October 15 – December 7
(Coverage begins 1/1 of the next year)
|Special Enrollment (SEP)||For a complete list of SEPs and their enrollment periods, please contact the Wooten Agency. The following are examples of Special Enrollment circumstances.