It’s Time for Medicare

You’re turning 65. Or you’re already 65 and getting ready to retire and lose your healthcare coverage. It's time for your first Medicare plan.
We can help!

Review Our Plans  Attend a Seminar

Want to learn more? See the “It’s Time for Medicare” guide for 

Enrollment Timeline

Want to see when you can enroll?
Select your birth month to see your personal timeline!

EventEnrollment Dates
Initial Enrollment Period
Parts A, B, C (Medicare Advantage) and Part D (prescription drugs)
March 1September 30
Medicare Supplement (Medigap) Enrollment Period
Only if you have Part B
June 1November 30
General Enrollment Period*
Original Medicare and Medicare Supplement
January 1 – March 31
Annual Enrollment Period*
If you already have Medicare, you can make changes at this time
October 15 – December 7

*Occurs yearly.

Get Reminder Emails About Your Enrollment Deadlines

When Can I Enroll?

With Medicare, timing is key. If you miss a deadline, you miss out on coverage and could pay a penalty later.

If you already get a Social Security or Railroad check for retirement, CMS will automatically enroll you in Original Medicare. You don’t need to apply.

If you don’t already get a Social Security or Railroad check, you can enroll during these times.
  • For Parts A, B, C (Medicare Advantage) and D (prescription drugs), you have a 7-month Initial Enrollment Period, three months before you turn 65, the month of your birthday, and three months after.
  • For Medicare Supplement (Medigap), you have a 6-month period starting the first day of the month you’re 65 or older and have Part B.
  • The General Enrollment Period, when you sign up for Original Medicare and Medicare Supplement, is January 1 to March 31.
  • The Annual Enrollment Period for Medicare Advantage plans is October 15 to December 7. (You can only make changes at this time you already have Medicare.)
  • You can also enroll after a special event, like retiring or moving.

If you’re not sure how the parts of Medicare work, head over to our Understand Medicare section to learn more.


What If I’m Still Covered at Work?

You can keep the health plan you have and enroll in Medicare when you retire.

  • If you keep medical coverage through your job and wait to get Part B, you’ll have eight months from when you retire to add Part B without a penalty. When you’re ready to add Part B coverage, call your local Social Security office.
  • If you keep getting drug coverage through your job, you won’t pay a penalty if you add Part D later.

It’s important to talk to your employer before choosing to stay on your group plan or enroll in Medicare.