Initial Enrollment Period
When you first become eligible for Medicare, you can sign up during your Initial Enrollment Period. This is the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you sign up during the first 3 months of your Initial Enrollment Period, in most cases, your coverage starts the first day of your birthday month. However, if your birthday is on the first day of the month, your coverage will start the first day of the prior month. If you enroll the month you turn 65 or during the last 3 months of your Initial Enrollment Period, your start date for coverage will be delayed.
Open Enrollment Period (October 15 – December 7)
Anyone with Medicare can join, switch, or drop a Medigap, Medicare Advantage or drug plan. Your coverage will begin on January 1, as long as the plan gets your request by December 7.
General Enrollment Period (January 1 – March 31)
If you already have Part A coverage and you get Part B for the first time during the General Enrollment Period (January 1— March 31), you can also join a Medigap or Medicare Advantage Plan at that time. Your coverage may not start until July 1.