There are several times a Medicare beneficiary can enroll in Medicare. Understanding when you can enroll for Medicare and the right time to do so is an important part of getting your benefits and avoiding the late Medicare enrollment penalty. Here is a quick guide to help Medicare beneficiaries understand the different enrollment periods and when they can sign up.
Initial Enrollment Period
The Initial Enrollment Period for most Medicare beneficiaries starts three months before their 65th birthday and ends three months following their birthday month. However, the Initial Enrollment Period is somewhat different for people that haven’t reached 65 but qualify for Medicare due to disability. During this period, you have the option to enroll in Both Part A and Part B plans, but you have the option to turn down Part B if you are covered through a union health plan or your employer.