How Do I Sign Up For Medicare?

The Enrollment Process For Original Medicare In Your Area

How Do I Sign Up For Medicare?

Most individuals are eligible to sign up for Medicare Parts A & B usually at age 65, but we recommend you giving us a call to help you determine exactly what your options are based on your personal situation.

For individuals turning 65 we will walk you through the signup process. The signup process can be rather cumbersome so we take the hard work out of it for you.

Your first chance to sign up (Initial Enrollment Period)

Your Initial Enrollment Period is your first chance at signing up for Medicare. It lasts for 7 months, beginning 3 months before you turn 65, and ending 4 months after the month you turn 65.

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If you miss your 7-month Initial Enrollment Period, you may have to wait to sign up and pay a monthly late enrollment penalty for as long as you have Part B coverage. The penalty goes up the longer you wait. You may also have to pay a penalty if you have to pay a Part A premium, also called “Premium-Part A”.

When does coverage start?

The date your coverage starts depends on which month you sign up during your Initial Enrollment Period. Coverage always starts on the first of the month.

If you qualify for Premium-free Part A: Your Part A coverage starts on the month you turn 65. If your birthday is on the first of the month, coverage starts the month before you turn 65).

Part B (and Premium-Part A): Coverage starts based on the month you sign up.

Here’s a quick sheet to help you at a glance:

If you sign up:Coverage Begins
Before the month you turn 65The month you turn 65
The month you turn 65The next month
1 month after you turn 652 months after you sign up
2 or 3 months after you turn 653 months after you sign up

What if I sign up for Premium-free Part A later?

You can sign up for Part A anytime after you turn 65. Your Part A coverage starts 6 months back from when you sign up or apply for benefits from Social Security. Coverage cannot start earlier than the month you turned 65. After your Initial Enrollment Period ends, you can only sign up for Part B and Premium-Part A during one of the other enrollment periods.

General Enrollment Period (January 1 – March 31)

You can sign up between January 1st – march 31st of each year, called the General Enrollment Period. Coverage begins July 1st. You might pay a monthly late enrollment penalty if you don’t qualify for a Special Enrollment Period.

Special Enrollment Period (Special Situations)

There are certain situations when you can sign up for Part B (and Premium-Part A) during a Special Enrollment Period without having to pay a late enrollment penalty. A Special Enrollment Period is only available for a limited time. If you don’t sign up during your Special Enrollment Period, you’ll have to wait for the next General Enrollment Period and you might have to pay a monthly late enrollment penalty.

In special enrollment situations, coverage begins the month after you sign up.

Ready to enroll? Give us a call! (561) 637-8162.

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