Medicare Initial Enrollment Period

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.