How to enroll
Missing a window can delay coverage or add a late-enrollment penalty. Confirm dates on Medicare.gov before you act.
Initial Enrollment
Seven-month window: 3 months before the month you turn 65, your birthday month, and 3 months after.
Oct 15 – Dec 7
Annual Open Enrollment. Change Advantage plans, change or add a drug plan, or switch between Original Medicare and Advantage. Changes start January 1.
Jan 1 – Mar 31
Medicare Advantage Open Enrollment. If you already have an Advantage plan, you can switch to another Advantage plan or return to Original Medicare.
Special periods
Moving, losing other coverage, qualifying for Extra Help, and some other life events can open a Special Enrollment Period.