Aging Energized Articles

Read about topics to help you age well, enjoy your retirement years, and navigate the intricacies of Medicare and Social Security.

Medicare Initial Enrollment Period

It’s very important to sign up for Medicare during your initial enrollment period. This is a specified period of time based on the date you turn 65. If you don’t sign up for Part A (if you have to buy it) and Part B during your initial enrollment period, you may have to pay a late enrollment penalty which may include a higher premium.

What is the Initial Enrollment Period?

Your initial enrollment period is a 7-month period that includes:

  • The three months before the month you turn 65.
  • The month you turn 65.
  • The three months after the month you turn 65.

For example, if you turn 65 on February 15, 2020, your enrollment period is from November 1, 2019 to May 31, 2020.

When Does Coverage Start?

If you sign up during the first three months of your initial enrollment period, your coverage starts on the first day of your birthday month. However, if your birthday is on the first day of the month, your coverage starts the first day of the previous month.

If you sign up the month...

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