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 Medicare.gov, Joining a health or drug plan.