Medicare Initial Enrollment Period

Medicare Initial Enrollment PeriodMedicare Initial Enrollment Period

To get the most out of your Medicare health benefits, it’s important for you to understand how and when to enroll in Medicare. Unless you qualify for automatic enrollment, you will need to sign up for Medicare Part A and/or Part B during the Initial Enrollment Period (IEP) that begins three months before you turn 65 and lasts for seven months.

Automatic enrollment for Original Medicare

Initial enrollment in Original Medicare, Part A and/or Part B, occurs automatically if you are turning 65 and already getting Social Security or Railroad Retirement Benefits (RRB) benefits or will start collecting retirement at age 65. You will need to sign up for Medicare Part B at the time that you apply for retirement benefits, and Medicare Part A enrollment occurs automatically if you are eligible for Social Security retirement. A Medicare card will be mailed out about three months before your 65th birthday.

Medicare Part B comes with a monthly premium, while most people get Part A premium-free as long as they have worked at least 10 years (or 40 quarters) and paid Medicare taxes. Because Medicare Part B has a premium, some people may choose to delay enrollment if they are already covered under a different plan, such as an employer group plan.

Keep in mind that if you do not sign up for Medicare Part B when you are first eligible and sign up later, you may have to pay a late enrollment penalty for the duration that you have Medicare. If you delay Medicare Part B enrollment because of coverage under a current employer (either your own or your spouse’s), you can qualify for a Special Enrollment Period when this group coverage ends and will not be subject to the penalty.

Medicare enrollment is also automatic if the person has been entitled to certain Social Security and Railroad Retirement Board (RRB) disability benefits for at least 24 months. A Medicare card is mailed out about three months before the 25th month of disability benefits. Beneficiaries with amyotrophic lateral sclerosis (ALS, also known as Lou Gehrig’s disease) will automatically be enrolled in Medicare Part A and Part B starting in the month that their disability benefits begin.

If you have end-stage renal disease (ESRD), you do not need to be receiving Social Security disability benefits to qualify for Medicare and can still be working. If you have ESRD and require kidney dialysis or a kidney transplant, you can enroll in Original Medicare at any time before turning 65.

When to enroll in Medicare

If you aren’t receiving Social Security or RRB benefits when you turn 65, you will have to sign up for Medicare A and/or Part B during your Initial Enrollment Period (IEP). This enrollment period begins three months before your 65th birthday includes the month that you turn 65, and ends three months later.

You can enroll in Medicare during your IEP even if you do not plan to begin receiving retirement at age 65. When you apply through Social Security, there is an option to apply for Medicare only. You can sign up to receive Social Security retirement at a later time. If you do not qualify for retirement benefits because you have not worked long enough, you can still enroll in Medicare Part A and/or Part B during your IEP.

You may not qualify for premium-free Medicare Part A, and the cost of your premium will vary, depending on how long you worked and paid Medicare taxes. If you sign up for Medicare Part B, you will have to pay a monthly premium for Part B as well.

If you miss your initial enrollment for whatever reason, you can sign up for Medicare Part A and/or Part B during the General Enrollment Period that runs from January 1 through March 31 of every year. You may have to pay a late enrollment penalty for both Part A and Part B if did not sign up when you were first eligible. You can also make changes to your coverage during general enrollment.

You can sign up for Original Medicare, Part A, and Part B, through Social Security:

  • By visiting www.ssa.gov.
  • By calling 1-800-772-1213 (TTY users 1-800-325-0778), Monday through Friday, from 7 AM to 7 PM.
  • By visiting your local Social Security office.

If you worked at a railroad, contact the Railroad Retirement Board to enroll in Medicare Part A and/or Part B. You can call the RRB at 1-877-772-5772, Monday through Friday, 9 AM to 3:30 PM; TTY users can call 1-312-751-4701.

Once you enroll in Medicare, you will receive a red, white, and blue Medicare card showing whether you have Medicare Part A, Medicare Part B, or both. Keep your card in a safe place so you will have it when you need it. If your card is ever lost or stolen, you can apply for a replacement card or call Social Security’s toll-free number, 1-800-772-1213 (TTY users 1-800-325-0778), Monday through Friday, from 7 AM to 7 PM.

When Medicare coverage begins

If you are already receiving retirement benefits before turning 65, your Medicare coverage will start with the month you’re first eligible (at age 65). If you sign up during the general enrollment, your coverage will not begin until July 1.

If you are receiving disability benefits through Social Security or the RRB, your effective date is determined by the Social Security Administration or the Railroad Retirement Board.

If you sign up for Medicare Part A and/or Part B during your initial enrollment, the start of your coverage will depend on which month of IEP you signed up.

The following chart shows when your Medicare coverage becomes effective if you enroll during your IEP:

 

If you enroll in this month of your initial enrollment period: Then your Medicare coverage starts:
One to three months before you turn 65 years old The month you turn 65 years old
The month of your 65th birthday One month after your 65th birthday
One month after you turn 65 years old Two months after you enroll in Medicare
Two or three months after you turn 65 years old Three months after you enroll in Medicare

Get Your Free Copy of the “Ultimate Medicare Quick Reference Guide” from Florida Medicare Agency!

This guide helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

Sign Up For Medicare

We understand that Medicare matters can get quite complicated. It is better to get help understanding Medicare before you sign up for a plan. With our help, you will have in-depth health insurance knowledge of the benefits offered by basic and supplement plans.

Call right away for your Health Insurance Quotes!
English 954-332-9768, or Portuguese 954-859-2602

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

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Christea B.
22:26 02 Dec 20
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Elliott B.
20:05 03 Sep 20
Agent Priscilla has been more than competent in making sure her clients have all their documents in good standing order. In spite of multiple procrastinations on my end, she faithfully and patiently followed up with me until 24 hours of my deadline. Her professionalism speaks volumes and as a business owner myself, I know her employer must be proud having such a star employee.
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19:12 21 Aug 20
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sahyli M.
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20:12 17 Jul 20
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21:14 24 Jun 20
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Kate
18:44 02 Jun 20
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Michelle S.
Michelle S.
17:40 24 May 20
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Ricardo A.
Ricardo A.
17:39 24 May 20
Bill was awesome !!! He helped my wife and I find great healthcare at a great price. Would recommend 10/10 wish I could rate more than 5 stars.
Jorge B.
Jorge B.
23:54 23 Apr 20
Janet G.
Janet G.
16:38 23 Apr 20
Thank you Sonia for helping me today, I really appreciate the kind and prompt response and results oriented service that Sonia provides. Bill was quick to call me back and follow up on my inquiry. Together Sonia and Bill make an outstanding team. I refer them to my friends and family whenever possible and will continue to spread the word.
Amit B.
Amit B.
19:06 17 Apr 20
The representative that helped me was Sonia.She is very professional and kind, she solve my problem fast and explain me everything that she is doing.Thank you.
Julian E.
Julian E.
16:50 01 Apr 20
janne Z.
janne Z.
01:31 01 Apr 20
Jerome P.
Jerome P.
11:41 31 Mar 20
Mindy was absolutely at the top of her game when settling a recent issue I had with Aetna Enrollment. While remaining completely professional, her persistance and perseverance solved the issue to my satisfaction. She remained with my wife and me, along with various Aetna reps, on the phone for over one and a half hours. Even then, the final decision was postponed for two days afterwards. Mindy was right at it again two days later, and the Aetna "complaint department" representative agreed with our contention that an error had been made on their part. A big "thank you" to Mindy and the Florida Health Agency.Jerry Pascuzzi
Érica Souza de O.
Érica Souza de O.
21:02 30 Mar 20
gordon J.
gordon J.
19:07 30 Mar 20
Was the best treatment I'm very grateful
Diane S.
Diane S.
18:24 23 Mar 20
I’ve been very satisfied with Florida Health Agencyhelping me choose the best plans for me and my family. I would not hesitate to recommend Bill and Mindy to anyone. They don’t just get you a plan and then ignore you. They are there helping to understand the plan. They definitely go the extra mile. They are a pleasure to deal with. This is a group that actually returns phone calls. I can’t say enough about their excellent customer service.
Lisa J.
Lisa J.
15:10 20 Mar 20
If your looking for affordable health insurance look no further. Gabriel helped me find what I was looking for and he was very eager to help.Thank you Gabriel!!!
Cindy G.
Cindy G.
20:14 16 Mar 20
Eduarda N.
Eduarda N.
20:37 11 Mar 20
Estou muito satisfeita com o serviço da Florida Health Agency em especial a Priscila pela sua atenção e compreensão em me ajudar tão rapidamente quando precisei de seu serviço.Sempre consigo contato com eles e eles sempre me respondem rapidamente.
Mike T.
Mike T.
12:58 07 Mar 20
Schweibish M.
Schweibish M.
15:43 04 Mar 20
Sonia spense is a professional, patiente and so helpful for me ! So reactive helped me so much thank you again Sonia ! I wish everyone was like you 🙏🏼
Luiz Ricardo Pamplona (CANAL PAMPLONA U.
Luiz Ricardo Pamplona (CANAL PAMPLONA U.
03:00 26 Feb 20
Yoshi Y.
Yoshi Y.
22:17 24 Feb 20
Sami L.
Sami L.
16:03 24 Feb 20
Sonia is TOP, TOP!! Thanks
Fernanda P.
Fernanda P.
15:47 20 Feb 20
I loved the service. ***********I had all my doubts cleared, the insurance was chosen according to my needs and budget.Thank you Giordana and Gabriel for staying on top of my application making my experience uncomplicated and transparent.
Fix P.
Fix P.
17:18 19 Feb 20
We love to do Business with Florida Health, highly recommended.
Fernando Paiva P.
Fernando Paiva P.
21:21 17 Feb 20
Priscila is super attentive and give me all necessary support! She’s so nice
Maria A.
Maria A.
18:12 12 Feb 20
Joel Antonio F.
Joel Antonio F.
15:15 04 Feb 20
São pessoas idôneas e gentis, nota 1.000(mil) pra todos eles. Esse Gabriel é muito gente boa, como também a dna Gio. E todos os demais...
Jersen R.
Jersen R.
16:52 31 Jan 20
She was excellent, very professional and helped me accomplish my goals for that appointment
Alisha B.
Alisha B.
14:10 30 Jan 20
Bill and his staff are absolutely awesome. I was referred to Bill by mom and he is surly quick and efficient. He's great at explaining everything and makes sure you are choosing the right plan for your budget. I highly recommend Florida Health agency for you health insurance needs!
Cathy C.
Cathy C.
15:29 28 Jan 20
Excelente Amazing Wonderful Priscila Ribeiro is de best agent that I ever had
Jessica R.
Jessica R.
02:44 23 Jan 20
I've had a great experience with Gabriel! I'm going to school in Florida from out of state and needed a short term insurance, and he helped me find the best plan for my unique situation. Thanks again Gabriel.
poul R.
poul R.
01:49 16 Jan 20
She was Awesome, she answered all my questions patiently.🌺🙏🏼
Joseph La S.
Joseph La S.
20:53 08 Jan 20
Sandra A.
Sandra A.
21:11 13 Dec 19
Yori B
Yori B
21:03 13 Dec 19
Biggie G was great I was having a hard time finding health insurance and he solved all my problems. He made me laugh also which was a bonus
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