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For those turning 65 the initial enrollment period can be bitter-sweet.  Many are looking forward to becoming Medicare members, but are not necessarily glad they’re 65.

The initial enrollment period (IEP) is a 7-month window that revolves around your 65th birthday.  IEP begins 3 months before your birthday month and ends 3 months after your birthday month.  So, how do you calculate the 7-month initial enrollment period?  It begins with 3 months prior to your birthday, plus your birthday month (1), plus 3 months following your birthday month, which equals 7 months in total.

IEP applies to individuals in the following scenarios.

  • Turning 65 – Newly eligible for Medicare
  • Have a disability (under 65)*
  • Turning 65 and eligible for Medicare due to disability*

*Read more about qualifying for Medicare Initial Enrollment period by going to, Joining a health or drug plan.

Medicare Part A - Hospital
Medicare Part B - Medical Services
Initial Enrollment Period Medicare Parts A and B