Medicare Enrollment Periods

For a more in-depth look at how Enrollment Periods work please watch our video.

For individuals enrolling in Medicare for the first time:

IEP – Initial Enrollment Period

3 months before through 3 months after your 65th birthday. You may enroll in Part A, B or both. You may also join a Medicare Advantage plan (Part C) or a prescription drug plan (Part D)

SEP – Special Enrollment Period: Working Past 65

You may enroll in Part A, Part B or both without penalty for up to 8 months after your employer coverage ends. You may join a Medicare Advantage or prescription drug plan up to 2 full months after the same event, if eligible.

Medicare Supplement Open Enrollment Period

You may enroll with guaranteed coverage for the 6 months starting with the month you turned 65 and have Part A and Part B. 

Use these options to change your coverage (restrictions apply)

AEP – Annual Enrollment Period

October 15 – December 7 each year. You can add, drop or switch your Medicare coverage.

OEP – Open Enrollment Period

January 1 – March 31 each year. For Medicare Advantage Plan members only, they may disenroll (to Part A and B only) or switch to a different Medicare Advantage Plan one time only.

SEP – Special Enrollment Period: Life Event

You may enroll in a new plan during the 2 months after the life event. Some examples are: Moving out of your plan’s service area, your doctor leaves your plan, your level of assistance from the state changes, your diagnosis of disability or chronic condition changes.

  • Move – out of your plan’s service area.
  • Doctor – your doctor leaves your plan.
  • Change in State financial assistance or “Extra Help” – either new, up or down.”
  • Diagnosed Changed – both disability or chronic