Medicare Eligibility

& Enrollment Dates



CalculatorEnrollment Dates

Medicare Enrollment Times

Know your enrollment dates so you know when you need to apply for Medicare.

When does my plan start?

First Timer = IEP– Varies

First Timer if missed IEP = GEP– July 1st

Special Enrollment (SEP)– Within enrollment period

Annual Enrollment (AEP)– January 1st

Open Enrollment (OEP)– Within General Enrollment (GEP)



Initial Enrollment Period (IEP)

First Timers

During this period most people get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). It starts 3 months before you turn 65, includes the month that you do so, and ends 3 months after you turn 65. If  you’re not already collecting Social Security benefits before your initial enrollment period starts, you’ll need to sign up for Medicare online or contact Social Security.

Your coverage start date will depend on when you signed up in IEP:

Sign Up Month Start Month
First 3 Months of AEP Birth Month
The month you turn 65 1 month after you sign up
1 month after you turn 65 2 months after you sign up
2 months after you turn 65 3 months after you sign up
3 months after you turn 65 3 months after you sign up

Coverage will start on the first of the month

General Enrollment Period (GEP)

January 1 – March 31

First Timer if you missed IEP

You will signup for original medicare.

Not First Time (Signed up during AEP)

General Enrollment Period is when your plan actually starts, not when you signup. Your plan will start on January 1st unless you change your plan during this time.

Special Enrollment Period (SEP)

Time period in which you can make changes to your Medicare Advantage and

Medicare prescription drug coverage when certain events happen in your life.

Some examples are:

  • Retire and lose your employer coverage

  • Disabled or diagnosed with a chronic illness

  • Receive assistance from the state

  • Move out of the plan’s service area

Annual Enrollment Period (AEP)

November 1 – December 15

Time period to review and change plan if needed.

Open Enrollment Period (OEP)

January 1 – March 31

Make one change to Medicare Advantage Plan if needed.

Enroll in Original Medicare

Learn More


Parts A & B

Part C

Part D