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4 Medicare Enrollment Periods: When Can I Enroll into Medicare?
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There are three different open enrollment periods to begin your Medicare, called your initial enrollment period (IEP), special enrollment period (SEP), and the general enrollment period (GEP). Each period is based around when you complete your application for Medicare. The is also an enrollment period called the Annual Election Period, where you can make changes to your current Medicare coverage.
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When you begin your Medicare enrollment at age 65, you are entering your Initial Enrollment Period. This period is when you are able to apply for Medicare Part A and Part B. You can also set-up your Medicare Supplement plan and Part D Prescription Drug plan to begin at the sign time. This initial enrollment period last for 7 months, beginning 3 months before your birthday, including the month of your birthday, and ending the three months after your birthday. Depending on when you apply for Medicare during this 7-month period will impact exactly when your Medicare Part B coverage will begin.
If you retire during your Initial Enrollment Period, your part B application will still follow these dates, as your IEP takes precedence over a Special Election Period, which is usually granted if you apply for Medicare after age 65 if you were still working.
A Special Enrollment Period is for people who are past the age of 65 and are beginning their Medicare enrollment. This period gives enrollees 8 months to apply for Medicare Part B, beginning the month their group coverage ends, to begin Medicare and avoid a late penalty fee. Enrollees also have 63 days past their group coverage ending to enroll in Medicare Part D, also known as a Medicare Prescription Drug Plan. Once Medicare Part B begins, enrollees also have 6 months from the Part B start date to enroll into a Medicare Supplement plan, with no health history required. To complete this enrollment, applicants must submit the standard Medicare Part B application, as well as an employer coverage form, which shows both proof of employment, as well as creditable health care coverage. This form is completed by the applicant’s employer, or applicant’s spouse’s employer.
The General Enrollment period is for people who did not enroll into Medicare at age 65, and do not have creditable health care coverage. This application period is from January 1- March 31st, with coverage beginning on July 1st of the same year. If you have to apply for you Medicare using the GEP, you will likely have incurred a late enrollment penalty for Medicare Part B, which is a lifelong penalty based on how long you went without Medicare Part B.
The Medicare Annual Election Period, also known as Open Enrollment period, is every year from October 15- December 7th. During this time period, Medicare enrollees can make changes to their Medicare coverage, that takes place on January 1st of the following year. The changes that can be made include enrolling in, changing, or disenrolling from a Medicare Advantage Plan, also known as Medicare Part C, or enrolling in, changing, or disenrolling from a Medicare Part D prescription drug plan. If an enrollee wants to leave their Medicare Advantage Plan for a Medicare Supplement Plan, also known as a MediGap plan, is can be done during this OEP/AEP. However, if someone wants to change from one Medicare Supplement Plan to another, such as a Plan G to Plan N, that can be completed outside of this time period, but requires Medical Underwriting.
#medicareeligible #medicareenrollment #applyformedicare
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There are three different open enrollment periods to begin your Medicare, called your initial enrollment period (IEP), special enrollment period (SEP), and the general enrollment period (GEP). Each period is based around when you complete your application for Medicare. The is also an enrollment period called the Annual Election Period, where you can make changes to your current Medicare coverage.
Phone: 1-833-65JAMIE (52643)
Medicare Choices Made Easy
When you begin your Medicare enrollment at age 65, you are entering your Initial Enrollment Period. This period is when you are able to apply for Medicare Part A and Part B. You can also set-up your Medicare Supplement plan and Part D Prescription Drug plan to begin at the sign time. This initial enrollment period last for 7 months, beginning 3 months before your birthday, including the month of your birthday, and ending the three months after your birthday. Depending on when you apply for Medicare during this 7-month period will impact exactly when your Medicare Part B coverage will begin.
If you retire during your Initial Enrollment Period, your part B application will still follow these dates, as your IEP takes precedence over a Special Election Period, which is usually granted if you apply for Medicare after age 65 if you were still working.
A Special Enrollment Period is for people who are past the age of 65 and are beginning their Medicare enrollment. This period gives enrollees 8 months to apply for Medicare Part B, beginning the month their group coverage ends, to begin Medicare and avoid a late penalty fee. Enrollees also have 63 days past their group coverage ending to enroll in Medicare Part D, also known as a Medicare Prescription Drug Plan. Once Medicare Part B begins, enrollees also have 6 months from the Part B start date to enroll into a Medicare Supplement plan, with no health history required. To complete this enrollment, applicants must submit the standard Medicare Part B application, as well as an employer coverage form, which shows both proof of employment, as well as creditable health care coverage. This form is completed by the applicant’s employer, or applicant’s spouse’s employer.
The General Enrollment period is for people who did not enroll into Medicare at age 65, and do not have creditable health care coverage. This application period is from January 1- March 31st, with coverage beginning on July 1st of the same year. If you have to apply for you Medicare using the GEP, you will likely have incurred a late enrollment penalty for Medicare Part B, which is a lifelong penalty based on how long you went without Medicare Part B.
The Medicare Annual Election Period, also known as Open Enrollment period, is every year from October 15- December 7th. During this time period, Medicare enrollees can make changes to their Medicare coverage, that takes place on January 1st of the following year. The changes that can be made include enrolling in, changing, or disenrolling from a Medicare Advantage Plan, also known as Medicare Part C, or enrolling in, changing, or disenrolling from a Medicare Part D prescription drug plan. If an enrollee wants to leave their Medicare Advantage Plan for a Medicare Supplement Plan, also known as a MediGap plan, is can be done during this OEP/AEP. However, if someone wants to change from one Medicare Supplement Plan to another, such as a Plan G to Plan N, that can be completed outside of this time period, but requires Medical Underwriting.
#medicareeligible #medicareenrollment #applyformedicare
Subscribe Here for More Medicare Tips:
There are three different open enrollment periods to begin your Medicare, called your initial enrollment period (IEP), special enrollment period (SEP), and the general enrollment period (GEP). Each period is based around when you complete your application for Medicare. The is also an enrollment period called the Annual Election Period, where you can make changes to your current Medicare coverage.
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