Eligibility & Enrollment

If you are turning 65, but do not currently collect Social Security or Railroad Retirement benefits, contact Social Security or Railroad Retirement if you wish to enroll in Medicare. Failure to enroll may result in premium penalties and delayed access to Medicare unless you have creditable coverage.

If you choose to delay coverage because you are covered through an employer, you will have a special enrollment opportunity to start your Part B coverage. Otherwise, you must wait to enroll between January 1st & March 31st for a July 1st effective date.

If you are under the age of 65 and have been receiving Social Security Disability for 24 months you are eligible for Medicare and should receive your Medicare Card.

Based on the effective date of your Medicare benefits you have an Initial Enrollment Period for enrolling in a Medicare Supplement Plan, Medicare Advantage Plan and/or Prescription Drug Plan. This period starts three (3) months before and extends three (3) months after the month your Medicare benefits become effective. (A seven month window)  After your initial enrollment you will have a chance each year to change plans. Your Annual Enrollment Period (AEP) starts October 15th and ends December 7th. Changes will take effect January 1st.

The rules for Medicare Supplements are different than those for Medicare Advantage or Prescription Drug Plans. To learn more click the read more button.

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