How & When to Enroll in Medicare

Understanding when to enroll is just as important as what to enroll in. Missing your window can mean permanent penalties.

Medicare Enrollment Timeline

3 Months Before Age 65

Your IEP is a 7-month window. Sign up at ssa.gov, call Social Security (1-800-772-1213), or visit your local SSA office.

Your Birthday Month

Enroll in the first 3 months = coverage starts your birthday month. Later = delayed start.

If You Have Employer Coverage

Employer group coverage lets you delay Part B without penalty. When it ends, you get an 8-month SEP. COBRA and Marketplace do NOT count.

January 1 – March 31 Each Year

Missed your IEP? Sign up during GEP. Coverage starts July 1. Late penalties may apply.

After Enrolling in A & B

Add Medigap + Part D, or switch to Medicare Advantage. We compare every option free.

Enroll Online

If you already know which plan you want, you can begin your enrollment through our secure portal. If you're not sure yet, get free guidance first.

Access our secure enrollment portal to compare plans and begin your Medicare application online.

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Speak directly with Darin for guided enrollment assistance.

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Not sure which plan? We'll compare every option in your zip code.

Turning 65, switching plans, or want better coverage — we're here. Free. Unbiased. Expert.