Invest in Your Future and Get Started With Medicare

When you first become eligible for Medicare, keep in mind the enrollment periods for Medicare Part A and B. Most people should not delay enrollment. If you do not sign up for Medicare when you first become eligible, you may have to pay a lifetime late enrollment penalty once you do enroll. Typically, this depends on what health coverage you have right now.

Even if you are in good health, it is important to plan ahead for your future health needs and enroll in Medicare as soon as possible. This is a wise financial decision that protects you against late enrollment penalties, gaps in coverage and unexpected health expenses. 

As you prepare for your future, we’d be happy to help you navigate Medicare enrollment. We’re here to help you make informed decisions you feel good about.

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: 

  • When you leave/lose group/employer coverage
  • The 8 month period beginning the month after your credible coverage ends (This does NOT include COBRA coverage)

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)

Annual Enrollment

October 15 – December 7
(Coverage begins 1/1 of the next year)

Open Enrollment

January 1 – March 31
(Changes will go into effect the first day of the next month)

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. 

  • Relocation to an area not covered by your current plan
  • Return to the US
  • Relocation to or out of a nursing or long term care facility
  • Released from prison
    No longer eligible for Medicaid or Extra Help
  • Leave your credible coverage
  • Current plan changes contract with Medicare