Medicare Coverage Initial Enrollment Period

Timing is everything when you’re enrolling in Medicare, and a lot depends on your specific situation. That’s why we organized this enrollment information based on life circumstances.

Find the topic below that fits your situation best. You’ll learn when to apply for Medicare and how to avoid possible late enrollment penalties. After that, you’ll be ready for the next step, Choosing a Plan.

Already on Medicare? You may want to learn about Medicare enrollment periods for Changing Plans.

When You Turn 65

The big birthday is coming up and you need to know when to apply for Medicare. It's a good idea to get an early start.

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Working Past 65

Retiring at 65 used to be the norm. These days you might continue to work, keep your employer health coverage and still get Medicare.

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If You're on Disability

Your Medicare enrollment date is based on your disability date, not on your age. You might be enrolled automatically.

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If You Miss Initial Enrollment

First of all, don’t panic. You can still sign up for Medicare. And you might still avoid late penalties, depending on your situation.

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Late Enrollment Penalties

Medicare's enrollment deadlines are real. Premium penalties may mount up if you don't know when to apply for Medicare or you apply late.

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How to Enroll in Medicare

Once you know when to apply for Medicare, the rest is simple. And help is available if you need it.

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Timing is everything when you’re enrolling in Medicare, and a lot depends on your specific situation. That’s why we organized this enrollment information based on life circumstances.

When You Turn 65

Working Past 65

If You're on Disability

If You Miss Initial Enrollment

Late Enrollment Penalties

How to Enroll in Medicare