When Can I Enroll?

Open Enrollment Period

Between January 1–March 31 each year enrollment is available to sign up for Part A and/or Part B plan.  This is called the General Enrollment Period if both of these apply.  

  • You didn’t sign up when you were first eligible.
  • You aren’t eligible for a Special Enrollment Period

You must pay premiums for Part A and/or Part B.  Your coverage will start July 1.  You may have to pay a higher premium for late enrollment in Part A and/or a higher premium for late enrollment in Part B.

Special Enrollment Periods

Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period (SEP).  If you’re covered under a group health plan based on current employment, you have an SEP to sign up for Part A and/or Part B anytime as long as:

  • You or your spouse (or family member if you’re disabled) is working.
  • You’re covered by a group health plan through the employer or union based on that work.

You also have an 8-month SEP to sign up for Part A and/or Part B that starts at one of these times (whichever happens first):

  • The month after the employment ends
  • The month after group health plan insurance based on current employment ends

Usually, you don’t pay a late enrollment penalty if you sign up during an SEP.

Do you still have questions about enrollment period(s) you may be eligible to use?  Please call me!