Medicare Advantage Enrollment | How to Sign Up
Enrolling in Medicare for the first time starts with understanding your Initial Enrollment Period (IEP). This seven-month window determines when you can join Medicare without facing late enrollment penalties. Learning how the enrollment timeline works can help you avoid gaps in coverage and stay informed about your options.
Enrolling in Medicare for the First Time: Your Simple Guide
Your journey with Medicare begins with the Initial Enrollment Period (IEP). This seven-month window includes:
- Three months before your 65th birthday
- The month of your 65th birthday
- Three months after your 65th birthday
During this time, you may sign up for Medicare Part A and Part B. Many people choose to enroll as soon as they become eligible, but others may qualify for delayed enrollment depending on their employment situation.
What Happens If You Delay Enrollment?
If you have group health insurance through your employer or your spouse’s employer, you may qualify to delay enrolling in Medicare Part A and Part B without late enrollment penalties.
Medicare Advantage Enrollment Options
Once you apply for Original Medicare (Part A and Part B), you’ll have the option to choose additional coverage, such as:
- Medicare Advantage Plans (Part C): Offered by private insurers and bundle your Part A, Part B, and often Part D benefits.
- Medicare Prescription Drug Plans (Part D): Stand-alone drug plans that help cover medication costs.
Pro Tip: Choosing the right plan during your IEP helps you avoid gaps in coverage or late penalties.
Speak To a Licensed Sales Agent
Connect with a licensed sales agent to explore your Medicare Advantage options.
📞 Get StartedMedicare Advantage Enrollment | Annual Enrollment Period (AEP)
Runs from October 15 to December 7 each year. You can enroll, change, or cancel your Medicare plan. The plan selected becomes effective on January 1 of the following year. During this time, you can review changes to plan premiums, benefits, and provider networks for the upcoming year. If you do not make changes during this period, your current coverage may automatically renew, if available, for the next plan year.
Medicare Advantage Enrollment During Open Enrollment Period (MA OEP)
Runs from January 1 to March 31 annually. Available only to those already enrolled in a Medicare Advantage plan, allowing one plan switch.
This period gives Medicare Advantage enrollees an opportunity to assess whether their plan still fits their needs. If another Medicare Advantage plan is more appropriate, they can make a one-time switch, with changes taking effect on the first day of the next month.
Special Enrollment Periods for Medicare Advantage Enrollment
Special Enrollment Periods (SEPs) apply to unique circumstances such as relocating or losing employer coverage.
Examples Include:
- Moving to a new area with different Medicare plan options.
- Losing employer or union health coverage.
- Becoming eligible for Medicaid or Extra Help.
Important: Report qualifying life events promptly to avoid delays in coverage.
Final Steps for Successful Medicare Advantage Enrollment
To simplify the process, follow this checklist:
- Mark your IEP dates: Plan to enroll during your seven-month window.
- Review your coverage needs: Decide whether you need Medicare Advantage, Part D, or both.
- Track deadlines: Stay aware of the AEP, MA OEP, and possible SEPs.
- Consult with an expert: Speak to a Medicare advisor for personalized guidance.
Enrolling in Medicare doesn’t have to be stressful. Understanding your enrollment timelines and comparing your options can help you make confident, informed decisions.
Have questions about Medicare enrollment? You can always give us a call — we’re here to guide you through Medicare Advantage enrollment.