When Should I Apply for Medicare?

For most people becoming eligible because they are turning 65, the first opportunity to enroll is called the Initial Enrollment Period, or IEP.

Your Initial Enrollment Period Lasts Seven Months

It generally includes:

For example, if your birthday is in September, your Initial Enrollment Period generally runs:

June → July → August → September → October → November → December


When Does Medicare Coverage Begin?

If you enroll before the month you turn 65, Part B generally begins the month you turn 65.

If you enroll during your birthday month or one of the three months afterward, Part B generally begins the following month.

There are special rules for people whose birthday falls on the first day of the month.

For people qualifying for premium-free Part A, Part A generally begins the month they turn 65. If the birthday is on the first day of the month, Part A generally begins the previous month.

Because effective-date rules can affect existing coverage, HSA contributions, and other insurance, verify your actual Medicare effective date rather than assuming it.

Should I Wait Until My Birthday to Apply?

Usually, there is no reason to wait until your actual 65th birthday if you know you need Medicare beginning that month.

Applying during the three months before your birthday month generally gives you more time to:

Social Security recommends that people who need to actively enroll consider applying approximately three months before their 65th birthday.