Medicare Enrollment Periods & Guidelines

Initial Coverage Enrollment Period - (IEP/ICEP) 

A 7-month period that begins 3 months before your 65th birthday month, includes the month you turn 65 and ends 3 months after your 65th birthday month where you can enroll in Original Medicare Part A (Hospital) and Medicare Part B (Medical) insurance.  

If you have credible coverage (coverage that is equal to or better than original Medicare insurance) e.g employee health insurance, you can delay enrolling in Medicare Part B. If you do not have existing credible coverage, you must enroll in Medicare Part B within 90 days of your 65th birthday. Not enrolling in Medicare Part B can result in a lifetime penalty. 

If you're over 65 (or turning 65 in the next 3 months) and not already receiving benefits from Social Security, you will not receive Medicare automatically. As a result, you’ll need to sign up for Medicare Part A (Hospital Insurance) and Part B (Medical Insurance)

How To Apply for Medicare A& B Insurance:  Sign Up For Medicare Online through Social Security at:

Medicare will send you a "Welcome to Medicare" packet 3 months before you turn 65.  If you elect to receive your Social Security benefits, you’ll automatically be enrolled in Medicare Part A but would need to request  Part B (optional) when you're first eligible.

 Annual Enrollment Period ( AEP) - October 15th thru December 7th 

  • Each year, you have a chance to make changes to your current Medicare Advantage or Medicare prescription drug coverage for the following year.
  • If you decide to change plans, or if you elect to stay with your current plan, with any new changes, your new coverage, benefits, or costs will begin on January 1.

Disenrollment Enrollment Period (OEP)- January 1st –March 31st, 2021

  • If you’re in a Medicare Advantage Plan (like an HMO or PPO), you can make one change to a different plan or switch back to Original Medicare (and join a stand-alone Medicare Prescription Drug Plan) once during this period. Any changes you make will be effective the first of the month. 

    Special Enrollment Period – (All Year Round)

    • Periods or events that take place outside of:
    • Initial Coverage Enrollment (ICEP),
    • Annual Enrollment Period (AEP)
    • Open Enrollment Period (OEP)

    A Medicare-eligible beneficiary may enroll in or change their current supplement plan to a new plan if they meet the following requirements

    • Age-In’s & Disability
    • SSA Administrative Delay (Retroactive)
    • Relocated / Move-In’s
    • Limited Resources- (LIS-Prescription Cost)
    • Chronic Special Needs –(Diabetes's, COPD, Congenital Heart Diseases-ESRD).
    • Voluntary Disenrollment ****
    • Losing Employer-Employee Coverage **** Request For Employment Information Form: Confirms 8 months of coverage.
    • FEMA-Declared Emergency or Major Disaster.

    5-Star Special Enrollment Period - For example, from December 8th, 2020 – November 30, 2021  -  If there is a 5-Star Rated plan available in your service area; (your zip-code) you are able to change to that plan. 

    If you have questions or concerns about the noted enrollment periods, please give us a call. We're here to help.

     By contacting the phone number on this website you will be directed to a trained, certified licensed agent.

    This information comes