When Should I Sign Up for Medicare? How to Know Your Right Time
Most people should sign up for Medicare during their Initial Enrollment Period (IEP), which is the 7-month window around their 65th birthday. If you have employer coverage, timing may differ.
Frequently Asked Questions
- Will I be automatically enrolled in Medicare?
- If you are already receiving Social Security or Railroad Retirement Board benefits at least 4 months before turning 65, you will be auto-enrolled in Part A and Part B.
- What if I miss my Initial Enrollment Period?
- You may have to wait for the General Enrollment Period (January 1 – March 31), with coverage starting the month after you sign up. You may also face a Part B late enrollment penalty.
- Can I sign up early?
- You can sign up as early as 3 months before your 65th birthday month. The earlier you sign up during your IEP, the sooner your coverage starts.