Below are our frequently asked questions. For more information, please contact us for a consultation.
Your Initial Enrollment Period is the 7-months surrounding your 65th birthday. It includes the 3 months before your birthday, the month of your birthday, and the 3 months after your birthday. Assuming you have met the work-related eligibility requirements, you may begin your enrollment 90 days prior to the first day of the month in which you turn 65. (Exception – if your birthdate falls on the first day of the month, then your Medicare becomes effective the first day of the month prior to the month in which you turn 65.) For example, if your birthdate is 05/01/1956, you are eligible to enroll in Medicare A & B on 04/01/2021. If your birthdate is 05/02/1956, then you are eligible to enroll in Medicare A & B on 05/01/2021.
If you do not enroll in Part A & B prior to the month of your birthday, your coverage may not be effective right away. See the chart below to see the effective dates if you submit your application during or after your birth month.
|If you enroll during this month of your initial enrollment period:||Your coverage will begin:|
|The month you turn 65||1 month after you enroll|
|1 month after you turn 65||2 months after enrollment|
|2 months after you turn 65||3 months after enrollment|
|3 months after you turn 65||3 months after enrollment|