Medicare Enrollment Resources

Initial Enrollment Period (IEP)

Most people first become eligible during a seven-month window around their 65th birthday — three months before, the month of, and three months after. Enrolling on time helps you avoid late enrollment penalties and coverage gaps.

Annual Enrollment Period (AEP)

October 15 – December 7 each year. This is when most current beneficiaries can change their Medicare Advantage plan or standalone Part D plan. Changes made during AEP take effect January 1.

Medicare Advantage Open Enrollment

January 1 – March 31. If you are already enrolled in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or return to Original Medicare (and add a standalone Part D plan) once during this window.

Special Enrollment Periods (SEPs)

Certain life events — moving, losing employer coverage, qualifying for Extra Help, and others — can open a Special Enrollment Period that lets you enroll in or change a plan outside the usual windows. We can help you confirm whether you qualify.

Late enrollment penalties

If you delay Part B or Part D without other creditable coverage, you may owe a late enrollment penalty for as long as you have Medicare. Maintaining creditable employer or VA coverage often allows you to delay without penalty — but the rules matter, so please confirm before assuming.

How to apply

You can apply for Medicare Parts A and B through the Social Security Administration:

• Online at ssa.gov
• By phone at 1-800-772-1213
• In person at your local Social Security office

For information on all of your Medicare options, you can also contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).

Help from a local agent

Health Insurance Options LLC can help you understand which enrollment period applies to you and compare the plans we represent. To get started, request a call back or call us at 509-353-0476.