Four important windows
Know what each period is designed to do.
Around age 65
Initial Enrollment Period
For most people, this seven-month window begins three months before the month they turn 65 and ends three months afterward. It is generally the first opportunity to enroll in Medicare and related coverage.
October 15–December 7
Annual Open Enrollment
People with Medicare can make certain Medicare Advantage and Part D changes for coverage beginning January 1.
January 1–March 31
Medicare Advantage Open Enrollment
A person already enrolled in Medicare Advantage may make one permitted change, including moving to another Advantage plan or returning to Original Medicare.
When an event qualifies
Special Enrollment Periods
Moving, losing qualifying coverage, and certain other events may create a special opportunity. The available action and deadline depend on the event.
One date does not answer every question.
Medicare plan enrollment periods are not the same as Medigap guaranteed-issue rights. Returning to Original Medicare does not automatically guarantee that every applicant can purchase any Medicare Supplement policy without health questions. Review both sides of a proposed change before leaving current coverage.