Medicare: When to Enroll

6 months before birthday

Start doing research on Medicare Advantage plans. Research which companies offer Medicare coverage in your area. Decide what type of plan will best meet your health care needs.

5 months before birthday

Attend an informational seminar about Medicare. You'll learn about what Original Medicare covers, types of Medicare Advantage plans, and why Medicare Part D is important.

3 months before birthday

Sign up for Original Medicare. Enroll in Original Medicare Parts A and B.

Sign up for Medicare Advantage coverage. Make sure you apply for enrollment three months before your birthday. This ensures you don't have a gap in health care coverage.

3 months after birthday

This month is the last month you can enroll in Original Medicare.

Annual Election Period:
Oct. 15 – Dec. 7

You can add or drop Part D prescription drug coverage, change to a Medicare Advantage plan, or change to Original Medicare. Your coverage will be effective January 1.

Open Enrollment Period:
Jan. 1 – Mar. 31

If you are on a Medicare Advantage plan, you can make ONE change to your coverage. You can add or drop Part D prescription drug coverage, or change to a Medicare Advantage plan or to Original Medicare. Your coverage will be effective the first of the next month.

Lock-in Period:
Apr. 1 – Oct. 14
Dec. 8 – Dec. 31

You cannot make a plan change after March 31 unless you qualify for a Special Election Period (SEP) or have Medical Assistance coverage.