Two Medicare Enrollment Periods You Don’t Want to Miss

This is a great article by Medicare Made Clear about enrollment periods

Have a great day!
George Litchfield


First you join Medicare, then you manage your Medicare coverage. Medicare provides enrollment periods for you to do both.

Here’s a rundown on each of these key time periods.

Initial Enrollment Period for New Beneficiaries

The Initial Enrollment Period (IEP) is when most people first join Medicare. You need to pay special attention to the specific dates of your IEP. If you miss this window, then you may have to pay more for your coverage, unless you qualify for an exception.

One of two situations triggers your IEP:

  • You are turning 65
  • You are under age 65 and have a qualifying disability

Your IEP is seven months long and includes:

  • The three months before your 65th birthday month or your 25th month of receiving disability benefits
  • The month including your 65th birthday month or your 25th month of receiving disability benefits
  • The three months after your 65th birthday month or your 25th month of receiving disability benefits


People with ALS (Lou Gehrig’s disease) or end-stage kidney disease (ESRD) may enroll in Medicare sooner. You can get more information about these situations at

During your IEP you can enroll in Original Medicare Part A, Part B or both. If you enroll in both, then you can choose to join a Medicare Advantage plan or a prescription drug plan if you wish.

Open Enrollment Period for Current Beneficiaries

Once enrolled, you’re not locked into your choices. You can change your coverage once a year during the Medicare Open Enrollment Period (OEP). The OEP starts on October 15 and ends on December 7 every year. You may also hear it called the Annual Enrollment Period, or AEP.

During OEP, you can switch between Original Medicare and Medicare Advantage, change your Medicare Advantage or prescription drug plan and more.

It’s a good idea to review your coverage every year to make sure that it still meets your needs. If you are happy with your current coverage, then you don’t have to do anything during OEP.

–This information was provided by Medicare Made Clear.


For more information about Medicare Supplement Insurance or any other insurance needs please feel free to contact me at (888) 891-5557

Wishing you a wonderful day!

George Litchfield
CA Insurance License # 0B56846 Turning 65 ? Looking for reliable Medicare Insurance? or Looking to get better rates. The Litchfield Agency can assists you whether it be Medicare, Health, Life. We will find the right plan for you. Serving Redlands, Banning, Yucaipa and the Inland Empire.