I'm turning 65 soon, when can I enroll in Medicare?

Question

Casey Ahlbum · Accepted Answer

When it comes to enrolling in Medicare, there are really two paths you can take.

You can enroll right when you turn 65, or you can enroll later, if you’re still working and covered under a qualifying employer plan, typically one that has 20 or more employees.

If you’re enrolling at 65, you’ll use what’s called your Initial Enrollment Period. That’s a seven-month window that starts three months before your birthday month, includes your birthday month, and continues for three months after. That window matters, because it’s how you avoid late enrollment penalties, especially for Part B. Collecting Social Security already? Then you'll be enrolled automatically. 

If you’re still working and covered under a larger employer plan, you may not need to enroll right away. You can delay Part B without penalty. Then, when that coverage ends, you’d use a Special Enrollment Period to get enrolled. In this case, it's a good idea to enroll about 3 months prior to your anticipated retirement or Medicare start date. 

The key there is simple, you just need to be able to show that you’ve had continuous, credible coverage the whole time. You'll have your HR or Benefits department help you fill out a Proof of Creditable Coverage form and submit that with your application for Part B. 

This is one of those areas where the timing really matters, and getting it right upfront can save you a lot of headaches down the road.

Marcie Barnes · Answer

You can apply for Medicare during your Initial Enrollment Period (IEP), which is a seven-month window around your 65th birthday. 

This period includes the three months before your 65th birthday month, the month you turn 65, and the three months after your birthday month. It is recommended to apply three months before your birthday month to ensure coverage starts on time and avoid gaps. 

If you are already receiving Social Security or Railroad Retirement Board benefits at least four months before you turn 65, you will be automatically enrolled in both Part A and Part B.
If you or your spouse is still working and has employer-sponsored health insurance from a large employer (20+ employees), you might be able to delay Part B enrollment without penalty. A Special Enrollment Period is available after employment or coverage ends.
Failing to sign up for Part B when first eligible, unless you qualify for a Special Enrollment Period, can result in a permanent late enrollment penalty and delayed coverage. 
How to Apply
You can apply for Medicare through the Social Security Administration online, by phone, or in person at a local office.

Barbara Klie · Answer

When you turn 65, you have a specific period during which you can enroll in Medicare, known as the Initial Enrollment Period (IEP). Here’s a breakdown of the key details regarding when you can enroll:

Initial Enrollment Period (IEP)

•  Duration: The IEP lasts for seven months:
  ◦  Three months before your 65th birthday
  ◦  The month of your 65th birthday
  ◦  Three months after your 65th birthday

Example:
If your birthday is on April 15:
•  You can enroll starting January 1 (three months before).
•  You can enroll during April (the month of your birthday).
•  You can enroll until July 31 (three months after).

Enrollment Options

1. Original Medicare:
  ◦  Part A (Hospital Insurance): Most people do not pay a premium for Part A if they or their spouse paid Medicare taxes for at least 10 years.
  ◦  Part B (Medical Insurance): Part B typically has a monthly premium, which can vary based on your income.

2. Medicare Advantage (Part C):
  ◦  This is an alternative to Original Medicare offered by private insurance companies. You can choose to enroll in a Medicare Advantage plan during your IEP.

3. Medicare Prescription Drug Coverage (Part D):
  ◦  If you want prescription drug coverage, you can enroll in a standalone Part D plan during your IEP.

Automatic Enrollment
•  If you are already receiving Social Security benefits or Railroad Retirement benefits when you turn 65, you will be automatically enrolled in Part A and Part B. You will receive your Medicare card in the mail about three months before your 65th birthday.

Late Enrollment Penalties
•  If you do not enroll during your IEP and do not qualify for a Special Enrollment Period (for example, if you are still working and have employer-sponsored health coverage), you may face late enrollment penalties when you do decide to enroll later.

Rob Taylor · Answer

That's a Great question!

Most people can enroll in Medicare when they turn 65. Your Initial Enrollment Period is a 7-month window that begins 3 months before your birthday month, includes your birthday month, and ends 3 months after.

Example: If your birthday month is May, your enrollment window runs from February through August.

Here's a little known fact: If your birthday is on the 1st day of the month, Medicare treats you as if you turned 65 the month before, so your coverage can start one month earlier!

If you’ve been receiving Social Security (or Railroad Retirement) benefits for at least 4 months before your 65th birthday, you’re usually automatically enrolled in Medicare Parts A and B, and your Medicare card is mailed to you.

If you’re still working and covered by an employer health plan, your timing may be different, and you may be able to delay Part B without a penalty.

If you’re turning 65 soon, it’s a good idea to review your situation early so you understand your options and avoid surprises.

Cheryl Lyons · Answer

You can enroll in Medicare during your Initial Enrollment Period (IEP), which is a 7-month window around your 65th birthday. Here’s the breakdown:

Initial Enrollment Period

Starts: 3 months before the month you turn 65

Includes: the month you turn 65

Ends: 3 months after the month you turn 65

Example:
If your birthday is June 10:

IEP starts: March 1

Birthday month: June

IEP ends: September 30

Tips

Sign up early to avoid coverage gaps.

If you’re still working with employer insurance, you may delay Part B without penalty if your employer has 20+ employees — you can then enroll later during a Special Enrollment Period.

Part A (hospital insurance) is usually free, so most people enroll right at 65.

Sandra Bailey · Answer

You can enroll in Medicare as early as 3 months before your birth month, your birth month and three months after your birth month.  You have 7 months for your initial open enrollment.  If you do not enroll within this time frame, you may suffer penalties.

Here's some added information:
You can enroll in Medicare Part A (hospital insurance) even if you're working.  This can be additional hospital coverage to go along with your work plan.

However, you cannot enroll in Medicare Part B (medical insurance) if you are still working and have credible medical insurance coverage.  You cannot have both.  Credible insurance, meaning you work for a company with 20 or more employees.  You can either keep your employer insurance or opt out for Medicare.  
Once you leave the company, you'll obtain a letter from HR stating you had coverage and when it ended.  Then you can enroll in Medicare Part B.

Diane Andree · Answer

If you are turning 65 soon, and want or need to enroll in Medicare, your Initial Enrollment Period allows you to start enrolling up to 3 months before the month of your birthday for an effective date of the 1st of the month, of the month of your birthday.  In other words, if your birthday is June 12, you may start enrolling in March.  If you enroll in March, April or May, your effective date will be June 1.  
In this example, you may also enroll, as part of your Initial Enrollment Period, in June, and up to 3 months after your birthday.  Your effective date will be the first of the month after you enroll.

Michael Young · Answer

3 months before you turn 65, you can enroll in Part B of Medicare and your application will be accepted 90 days before you turn 65 for a medicare supplement, medicare advantage plan, or Part D drug plan. Please keep in mind if you are on Social Security at age 64, your Part B will activated automatically at age 65 and you will receive your Medicare Card in the mail in a plain envelope. If you are currently working and not drawing social security, you need to enroll online at Medicare.gov or make an appointment to visit a Social Security office for assistance

Answered by Michael Young on March 31, 2025

Broker Licensed in CA, AZ, ID, NC & NV

Answered by Michael Young Medicare Insurance Agent

Christopher Boyd · Answer

If you are receiving Social Security monthly benefits, Social Security will automatically enroll you into Medicare Parts A & B and send your Medicare Card to your address on file. However, if you are employed or covered by group insurance from your spouse who is still employed, you may not be required to enroll into Parts A & B. Please ask the HR department to verify your coverage at age 65 and beyond. 

If you are deferring your Social Security at or after your 65th birthday, you must enroll into Parts A and B within 90 days of your 65th birthday. You will be required to pay the monthly Medicare Part B Premium, currently $202.90 for most retirees. You can enroll at the SSA.GOV website or go to your local Social Security office.

Grant Hamilton · Answer

For most people, you're first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after the month you turn 65.  This is what is referred to as your Initial Enrollment Period (IEP).

One thing to consider when registering is if you are still working.  If you are still working, you can delay enrollment in Part B if your are covered by a creditable emplolyer plan through you or your spouse, and the employer has 20 or more people employed.    "Creditable" means your employer plan must be expected to pay out at least as well as standard Medicare.  

Once you stop working, you will have an 8 month Special Enrollment Period (SEP) to enroll in Part B without facing penalties.  Please note that these penalties are considered lifetime and wil; be a penalty of 10% for each full year (12 months) without enrolling in Part B.

Some companies may offer retiree health plans but generally these are not considered creditable.  COBRA is not considered creditable either

Mark Bilgere · Answer

You are eligible to enroll in Medicare 3 months before your birth month, in your birth month and 3 months after your birth month. In total, you have a 7 month window. Remember, if you are are going to continue working and you have employer benefits, you are not necessarily required to enroll in Medicare. You can compare your current coverage to what Medicare would provide and chose the one that is most suitable for you.

Also, if you are starting your Social Security benefits, you will be automatically enrolled into Medicare. Your Medicare Part B premium will be deducted from your Social Security before it is disbursed to you.

The best thing to do is find a local broker who can explain all of the rules to you so you make an educated decision.

Pamela Masters · Answer

You can enroll the three months before your 65th birthday, the month of your birthday, or the three months after your birthday. Medicare would start no earlier than the first day of the month of your birthday. If your birthday is on the 1st day of the month your initial enrollment period starts 4 months before your birthday month, the month of your birthday, and 2 months after your birthday month.

Answered by Pamela Masters on October 7, 2025

Broker Licensed in NC

Answered by Pamela Masters Medicare Insurance Agent

Julia Alves · Answer

This is a simple yet very important detail. Turning 65 opens up your Initial Enrollment Period (IEP). However, this period starts 3 months before your 65th birthday month and stays open until 3 months after. In total, you have 7 months of an enrollment period. It is important to start as soon as your IEP opens up, as enrolling in Medicare and receiving your Medicare ID card, also known as your red, white, and blue card, can take up to a few weeks.

Example: your 65th birthday is May 18. You can start enrolling (and should) as soon as February 1st! Your IEP will be open until August 31st.

David Koller · Answer

You can enroll 3 months before the month of your birthday, the month of your birthday or three months after the month of your birthday. Most people sign up for both Part A (Hospital Insurance) and Part B (Medical Insurance) when they’re first eligible (usually when they turn 65). Generally, there are risks to signing up later, like a gap in your coverage or having to pay a penalty. However, in some cases, it might make sense to sign up later. If you sign up for medicare prior to the month of your birthday, Medicare will start on the 1st of the month of your birthday unless your birthday is on the first of the month, then it will start on the first of the month before the month of your birthday.

Answered by David Koller on May 19, 2025

Broker Licensed in UT, ID & NV

Answered by David Koller Medicare Insurance Agent

Diana Garner · Answer

You can enroll in Medicare during your 7-month Initial Enrollment Period (IEP), which is the 3 months before your 65th birthday, the month you turn 65, and the 3 months after your 65th birthday. 

If you're receiving Social Security benefits, you may be automatically enrolled in Parts A and B. 

Missing your IEP can lead to a gap in coverage or a late enrollment penalty.

Timothy Brown · Answer

It depends on if you’re currently collecting Social Security benefits. If so, you will automatically receive a Medicare card as early as 3 months before your 65th birthday with the coverage effective the first day of your birthday month. If you’re not collecting Social Security, you can apply for Medicare Part A three months prior to your 65th birthday. The question is whether should apply for Part B at the same time which will depend on employer coverage. You can delay Part B enrollment without a penalty as long as you maintain employer group coverage even if your past age 65.

Answered by Timothy Brown on June 1, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Brian Kulis · Answer

Best to get started at least 3 months before your 65th Birthday. I would contact Social Security at 1-800-772-1213 to get Part A and Part B set up. You may enroll in a Medicare Advantage, Supplement, or Part D drug plan, 3 months before your 65th birthday, the month of, and no later than 3 months after your birthday, a 7-month window.

Answered by Brian Kulis on January 26, 2026

Broker Licensed in AR, AZ, LA & MO, OK, TN & TX

Answered by Brian Kulis Medicare Insurance Agent

Tony Capraro III · Answer

If you are currently receiving benefits from the Social Security Administration or the Railroad Retirement Board, you will be automatically enrolled in Part A and Part B. You will receive your red, white, and blue Medicare card in the mail 3 months before your sixty-fifth birthday. Your coverage will begin on the first day of the month you turn 65. If your sixty-fifth birthday falls on the first day of the month, your coverage will begin the first day of the month before your birthday. There are so many important decisions to be made-that's why I help folks everyday with their Medicare planning! :)

Answered by Tony Capraro III on March 27, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Julius Baradas · Answer

You have a 7-month window which you can sign up for Medicare. For example, if you were born in March then you can sign up for Medicare as early as Dec 1st and as later as May 31st. After that 7-month period you may face a permanent late penalty. However, there is special adjustment if your birthday is on the 1st of the month your coverage starts the month before you turn 65 and it ends two months after your birth month.

Answered by Julius Baradas on September 27, 2025

Agent Licensed in CA

Answered by Julius Baradas Medicare Insurance Agent

Lauren Fodde · Answer

You have a 7-month window called your Initial Enrollment Period (IEP):

Starts 3 months before your 65th birthday
Includes your birthday month
Ends 3 months after

Example:
If your birthday is in June, your window is March–September

Enrolling early helps avoid delays in coverage. Waiting too long could lead to late enrollment penalties.

Best move:
Start reviewing your options before your birthday month so your coverage is ready when you need it.

Jake Purvis · Answer

Most people can enroll in Medicare during their Initial Enrollment Period, which starts three months before the month they turn 65, includes their birthday month, and lasts three months after. This is usually the best time to enroll because you can avoid late penalties and gaps in coverage. Enrolling early also gives you time to review your options and choose coverage that fits your healthcare needs.

Answered by Jake Purvis on February 9, 2026

Broker Licensed in FL, GA & TX

Answered by Jake Purvis Medicare Insurance Agent

Lisa Schaad · Answer

Your first chance to enroll is your Initial Enrollment Period—that’s 3 months before, the month of, and 3 months after your 65th birthday. If you’re already on Social Security, you’ll be enrolled automatically; if not, you’ll apply through Social Security.

Answered by Lisa Schaad on September 6, 2025

Agent Licensed in AZ, AR, CA & 19 other states

Answered by Lisa Schaad Medicare Insurance Agent

Katie Wik · Answer

That is considered your Initial Enrollment Period (IEP). You get the 3 months before your birthday month, the month of your birthday, and the 3 months after your birthday. This totals 7 months. So for example, If your birthday is July 5th, you would have all of April 1st - October 31st.

Answered by Katie Wik on December 15, 2025

Broker Licensed in MN

Answered by Katie Wik Medicare Insurance Agent

Darlene Cerezo Swaffar · Answer

If you are collecting Social Security Income, enrolling in Medicare will happen automatically and you will receive your Medicare in the mail 3 months before the month of your birthday. If you are not collecting Social Security, then I would suggest logging into ssa.gov 4 months before your birthday and applying for Medicare online. You will want to enroll in both Part A Hospital and Part B Medical.

Answered by Darlene Cerezo Swaffar on October 16, 2025

Broker Licensed in FL

Answered by Darlene Cerezo Swaffar Medicare Insurance Agent

Karen Marriner · Answer

Your Initial Enrollment Period begins three months before your Medicare eligibility date. For example, if your birthday is 11/25/60, your Medicare eligibility date is 11/1/2025 and you can submit your application anytime after 8/1/2025.

Answered by Karen Marriner on March 27, 2025

Agent Licensed in CA

Answered by Karen Marriner Medicare Insurance Agent

Todd Bostic · Answer

It really depends on what kind of plan you are wanting to enroll into. If you are wanting to enroll into a Medicare Advantage plan, you can enroll 3 months before, the month of, and three months after you turn 65. If you are wanting to enroll in a Prescription Drug Plan, same thing. However, if you are looking into a Medicare Supplement, you can enroll up to 6 months in advance.

Answered by Todd Bostic on October 20, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Ashley King · Answer

When turning 65 you have a seven month window to enroll in Medicare. This initial enrollment period begins three months prior to your birthday month and extends three months after your birthday month. for example, if your birthday is in June, your initial enrollment period. Begins March 1 and would end September 30.

Answered by Ashley King on October 17, 2025

Broker Licensed in MD, AL, AR & 9 other states

Answered by Ashley King Medicare Insurance Agent

Donnie Vermillion · Answer

Your initial enrollment period is a 7 month period revolving around your birthday month when you turn 65. The 3 months before your birthday month, your birthday month and the 3 months after your birthday month. 

You should go ahead and start a my social security account now at my ssa.gov to make the process smoother. Even if you are not planning on drawing social security right away.

Kyle Kokot · Answer

If you draw a social security check already then you will be automatically enrolled. If you do not draw social security, then you can enroll into Medicare A&B 3 months before the month you turn 65. For example: If you turn 65 in the month of June then you could enroll into Medicare A&B as early as March1st.

You can submit your application to enroll into Medicare on SSA.gov website. Click on Medicare then click on Apply online

Michael Yost · Answer

You can enroll 3 months before turning 65. You can also enroll the month of your date of birth and 3 months after. This gives you 7 full months to apply when turning 65.

Giulio Campanelli · Answer

You can enroll in Medicare during your Initial Enrollment Period (IEP), which is a 7-month window that starts 3 months before your 65th birthday and ends 3 months after. If you a receiving Social Security, you will automatically be enrolled in Medicare A and B.

Answered by Giulio Campanelli on October 13, 2025

Broker Licensed in CA, AZ, FL & MI, NC, NM & TX

Answered by Giulio Campanelli Medicare Insurance Agent

Dean Chiapetto · Answer

Typically 3 months before your birth month up to 3 months after. If you miss this period and dont have creditable coverage you will have to wait until January and you will be penalized for part B and D. If you are working and have coverage at work you should turn on part A only.

Answered by Dean Chiapetto on November 1, 2025

Broker Licensed in VA, MD, NC, TN & WV

Answered by Dean Chiapetto Medicare Insurance Agent

Comfort Olude · Answer

You have a seven-month window to enroll in Medicare, starting three months before you turn 65 and ending three months after your birthday month.

Missing this window can lead to penalties or delayed coverage.

Charise Karjala · Answer

Happy birthday! You're turning 65 soon, so you can enroll in Medicare three months prior to your birthday month, the month of your birthday, or the three months following your birthday month. It's approximately seven months, three months on either side of your birthday month. Simple as that.

I believe we can now walk into a Social Security office, or we can call the Social Security Department and request a telephone appointment. But that's generally speaking how we go about doing that. You're gonna be very pleased with Medicare as it compares to employer-sponsored plans. Some people who are coming off the exchange have a bit of a sticker shock, but the fact that you can have care with close to zero copays, either with Medicare Advantage or with a PPO, is liberating.

So you can finally be confident that you can get the care that you need, that you've wanted for a long time, without breaking the bank. So congratulations and happy birthday!

Kelsey Hentzen · Answer

You can enroll in Medicare 3 months before your birth month. If your birthday is June 9th, your Medicare will become effective June 1st. If your birthday is the first of the month (6/1), it will become effective the month before. You have your birth month and three months after to enroll in Medicare. Your initial enrollment period is 7 months.

Answered by Kelsey Hentzen on June 9, 2025

Broker Licensed in KS & MO

Answered by Kelsey Hentzen Medicare Insurance Agent

Justin Scheiner · Answer

You can sign up for Medicare during your Initial Enrollment Period, which starts three months before the month you turn 65 and lasts for seven months total. It’s best to enroll early so your coverage starts the first day of your birthday month.

Answered by Justin Scheiner on October 13, 2025

Agent Licensed in FL, CO, CT & 5 other states

Answered by Justin Scheiner Medicare Insurance Agent

Medicare Melanie · Answer

This is a great question. 
You are eligible to enroll in Original Medicare, during a 7 month window, which runs 3 months before your birth month, the month of, and 3 months after. 

There is an exception if you were born on the first of the month. Your Medicare will actually start one month earlier than your birth month. 

We recommend the community meet with us at least 6 months prior to their 65th birthday to review option and make sure they are on the right track.

God Bless.

Jeff LeSourd · Answer

You  can apply for Part B Medicare no earlier than the 3rd month before the month you turn 65. 
If you turn 65 in March, you can only apply for Part B on or after Dec 1.  You apply online through your Social Security account. 
You should apply online ASAP for Part B to avoid admin delays. However, you will start paying to CMS the monthly premium for your Part B benefit. As of Jan 1, the monthly premium for Part B will be $202.90.

Robert Vitale · Answer

If you are almost 65, you should generally apply for Medicare during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. If you're already receiving Social Security benefits, you may be automatically enrolled. Contact Social Security to sign up for Medicare if you're not yet receiving benefits.

Answered by Robert Vitale on May 21, 2025

Agent Licensed in FL & OH

Answered by Robert Vitale Medicare Insurance Agent

Misty Bolt · Answer

Good afternoon. It’s Medicare Misty. I am here with your Medicare minutes, and we had a lot of questions today, one of them being, "I'm turning 65 soon. When can I enroll in Medicare?" I get that question all the time. Great question. So it depends, of course, like everything else. What does that mean? It depends on if you're not working anymore, because the rule is your initial enrollment period is 90 days before your birthday month, your birthday month, and 90 days after. After that 90-day mark, your penalty will start unless you're still working and you have coverage through them. So if you're still working and your coverage is affordable through your employer, then you can stay with your employer as long as your employer has more than 20 employees. If you have any other questions, please call MedicareMisty.com. My phone number's on there. We'll be glad to assist you with any other questions and help you enroll. I'm in 45 states. Excuse me. So let us help you.

Jeffrey Horn · Answer

You can enroll in Medicare during a 7-month Initial Enrollment Period (IEP) surrounding your 65th birthday: the 3 months before your birthday, the month of your birthday, and the 3 months after.

Priscilla Ramos · Answer

You can enroll in Medicare 3 months before your 65th birthday, the month you turn 65, and 3 months after, this 7 month window is your Initial Enrollment Period.

Gus Karigan · Answer

You have a seven month window to enroll in Medicare. Three months prior to your birth month, your birth month and three months after your birth month. This is called your Initial enrollment period where you are guaranteed issue.

Answered by Gus Karigan on March 4, 2026

Broker Licensed in IL, GA & MI

Answered by Gus Karigan Medicare Insurance Agent

Angelina Watkins · Answer

You have a 7 month timeframe to enroll into Medicare Parts A and B that starts 3 months before the month you turn 65, the month you turn 65, and 3 months after the month you turn 65. However, you do not have to enroll into Part B at that time if you have other creditable coverage.

Answered by Angelina Watkins on December 5, 2025

Agent Licensed in OH, FL, GA & 5 other states

Answered by Angelina Watkins Medicare Insurance Agent

Tammy Monjaras · Answer

Hi there! You can enroll in Medicare 3 months before your 65th birthday month, your actual birthday month and three months after. There are always special circumstances if you miss your enrollment period find a local agent to help you navigate Medicare. You may qualify for a special enrollment program.

Answered by Tammy Monjaras on August 31, 2025

Agent Licensed in OH, IN & KY

Answered by Tammy Monjaras Medicare Insurance Agent

Bill Pollock · Answer

Your Initial Enrollment Period )IEP) is a 7-month window: it starts 3 months before your 65th birthday, includes the month you turn 65, and ends 3 months after your birthday month. 

During this period, you can sign up for Medicare Pa A (Hospital Insurance) and Part B (Medical Insurance) without facing late enrollment penalties. Most people enroll at this time to ensure continuous coverage.

Daniel Brechin · Answer

When you turn 65 you will have a enrollment period that starts 3 months prior to your turning 65,  the month you turn 65 and three months after your birth month.    If you decide that you still want to work, you will need to reject your part  B .
When you decide you are ready to get your part B you Just need to notify Medicare and You will have 90 days to enroll in Part B. 
The Bart B should began the month you lose your healthcare from your employer.

Steven Bleicher · Answer

There is a 7-month window to enroll. It is as follows: A) Three months before your birthday month, B) Your actual b-day month, and C) 3 months after the b-day month. This is a grand total of 7 months! Remember, the birthday month is always the first day of that month! So, if you were born on June 22, you are eligible for Medicare on June 1st! Good luck.

Answered by Steven Bleicher on May 29, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Sandra De Fazio · Answer

The Medicare rule is to sign up for Part A and/or B as soon as possible when you are eligible. Your opportunity is as early as 3 months before your 65th birthday month, during the month you turn age 65 years old, or within the three months following your birthday month.

Answered by Sandra De Fazio on January 20, 2026

Agent Licensed in CA

Answered by Sandra De Fazio Medicare Insurance Agent

Michelle Ryan · Answer

You can apply for Medicare 3 months before your birthday month up to 3 months after your birthday month. This gives you s total of 7 months to apply and it will be effective the 1st of the month of your birthday or the first of the month after you apply.

Answered by Michelle Ryan on February 23, 2026

Broker Licensed in GA, AL, CO & FL, NC, SC & TN

Answered by Michelle Ryan Medicare Insurance Agent

Tom Kowalczyk · Answer

The initial enrollment period for Medicare is typically a 7 month window. 

You can enroll in Medicare starting three months before the month you turn 65, the month you turn 65 and up to 3 months after the month you turn 65.

Vachik Chakhbazian · Answer

you should apply for Medicare about three months before your 65th birthday. This is because you have a seven-month initial enrollment period that starts three months before your 65th birthday, includes the month of your birthday, and ends three months after. If you miss this initial period, you may face late enrollment penalties and have to wait to enroll.

Answered by Vachik Chakhbazian on July 13, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Justin Doherty · Answer

If you are already receiving Social Security, you will be enrolled automatically. For those not yet receiving Social Security, you may apply for Medicare once you are within 3 months of your birth month.

Answered by Justin Doherty on September 26, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

Brian Moore · Answer

When clients ask about enrolling in Medicare at 65, I explain the Initial Enrollment Period (IEP) covers three months before their birthday month, the month itself, and three months after. It’s a straightforward seven-month window.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Ron Kaemmerer · Answer

You have a 7 month window that starts 3 months before you turn 65.  To avoid late enrollment penalties make sure you sign up no later than 3 months after you turn 65!!

Andrew Zurbuch, MBA · Answer

For Original Medicare you can enroll 90 days before your Birth month & no sooner than that. For Medicare Advantage you can enroll 90 days before your Birth month & it will be effective the 1st day of that month or you can enroll the month you were born & it will be effect the 1st of the following month. You can also, enroll within 90 days after your 65th birthday & during the Annual Medicare Open Enrollment Period. Assuming your Medicare Part A & Part B are effective the  month of your 65th birthday. Thank you. 

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Jemeel Adams · Answer

Three months before your birthday,your birthday month, and three months after your birthday. So, seven months in total

Lt Col Tim Brown · Answer

You are supposed to get your Medicare card 3 1/2 months before your birth month. So three months. If you’re enrolled to start receiving social security payments, then it’s supposed to be mailed automatically. If you’re not going to draw it, or they failed to send it, you will need to sign up yourself. You can do it one of three ways; go on line to www.ssa.gov or make an appointment to go down to social security or call them. Going on line is the best method.

Answered by Lt Col Tim Brown on April 7, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

Sandra (Sandy) Steffy · Answer

Your Initial Enrollment Period (IEP) lasts 7 months:
• 	3 months before your birthday month
• 	Your birthday month
• 	3 months after your birthday month

Carol Thompson · Answer

CMS allows you a 7 month window. You start consulting with an agent 3 month’s prior to your birth month, your birth month and have up to 3 months after your birth month. If you wish to enroll during that window and you have applied for Medicare parts a & b, your plan/enrollment can beginning the first day of your birth month. If you were born on the 1st day of that month - your enrollment will start on the 1st of the prior month of your birth month.

Answered by Carol Thompson on July 19, 2025

Broker Licensed in FL, LA, MI & NC, SC, VA & WI

Answered by Carol Thompson Medicare Insurance Agent

Angelia Highfill · Answer

During your Initial Enrollment Period (IEP). This is a 7-month window that begins 3 months before you turn 65, includes your birth month, and ends 3 months after.

Larry Dalton · Answer

You are guaranteed coverage with no underwriting evaluations starting three months before your 65th birthday month and continuing for three months after that month. I always advise people to start thinking about their Medicare coverage at least six months before they turn 65.

Answered by Larry Dalton on March 29, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Alicia Hoilman · Answer

Your enrollment period is 3 months before your 65th birthday, the month of your birthday, and 3 months after your birthday. In order to receive coverage by the month of your 65th birthday, you must enroll before that month.

Answered by Alicia Hoilman on June 11, 2025

Broker Licensed in VA, DE, FL & MD

Answered by Alicia Hoilman Medicare Insurance Agent

Alan &quot;AL&quot; Minthorn · Answer

I recommend 12-14 weeks prior to your birth month visiting the Social Security website and looking for the “Apply for Medicare” radio button. Do not procrastinate. The process typically takes a minimum of 4-6 weeks. During that time - you’ll get NO updates; then about 30 days later, you’ll get a brief email saying you’ve moved to the next step - within two weeks you’ll have your Medicare Card and about 3-4 letters.

Answered by Alan "AL" Minthorn on June 1, 2025

Broker Licensed in ME, FL, NC & NH

Answered by Alan "AL" Minthorn Medicare Insurance Agent

Lori Crivelli · Answer

You are eligible to enroll 3 months before your birthday, the month of your birthday, and three months after your birthday.  You have a seven month window.

Michael Ross · Answer

Hello, Medicare allows you to sign up for Part A and Part B 3 months before your 65th birthday and up to 3 months after your 65th birthday.

Mike Alexander · Answer

3 months before your birthday, the month of your birthday and 3 months after you turn 65,
Failure to do so could cost you a late enrollment penality

Terri Reagin · Answer

You can enroll in parts an and b Medicare starting 3 months prior to your birthday, the month of, and three months afterwards. Go to ssa.gov to apply onine

Steve Houchens · Answer

You and your initial enrollment. Which is three months before the month you turn 65, the month you turned 65 and three months after you turned 65. During this time you have a guaranteed issue. In which you can join a Medicare Supplement without any underwriting.

Answered by Steve Houchens on July 12, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Michael Pyers · Answer

3 months before your 65th birthday. And up to 3 months after. You may delay enrollment if you have a job that gives you creditable coverage if you want to delay signing up for Medicare. Normally if you are receiving Social Security you will be signed up automatically.

Answered by Michael Pyers on March 31, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Mary Brown · Answer

Congratulations!
You have 7 months to enroll in Medicare, 3 months before your 65th birthday, including your birthday month up to 3 months after your birthdate.

Jaye Maxx Alexander II · Answer

You can enroll in Medicare three months before your 65th birthday, on your 65th birthday, and for three months after turning 65 to select the right Medicare Advantage plan. You need to meet with a knowledgeable agent who is a broker and can guide you on Medicare and give you the proper advice .

Morgan Greer · Answer

Your Initial Enrollment Period (IEP) begins 3 months before your birthday, your birth month, abc ends 3 months after your birth month. This 7-month IEP is the crucial time to enroll.

Sherry Rose · Answer

You can sign up three months before your 65th Birthday, the month of and three months after. In total you have an open window of 7 months to enroll.

Maxine Burgess, MBA · Answer

You can enroll in Medicare during the following timeframe: 3 months before your birth month and up to 3 months after your birth month.

Leslie Kaz · Answer

The question is, I'm turning 65 soon. When can I enroll in Medicare? Well, that's an easy one. Well, easy for me, because I've been licensed for over 30 years now. So, you have the month of your birthday, you have three months prior to your birthday, and you have three months after your birthday. So, you got a total of seven months as to when you can enroll in Medicare. Don't wait too long. Reach out to a licensed agent who can help provide you with information, such as myself, to determine which plan works out best for you and your pocketbook. Take care.

Niels Heemskerk · Answer

You can enroll in Medicare the 3 months prior to your 65th birthday, your birthday month, and the three months after your birthday month.

Gary Haft · Answer

Medicare requests that you start the enrollment process for Medicare within the three months prior to the month that you turn 65.  There is a 7 month enrollment period that starts 3 months before the month you turn 65 and then there is the three months after your birth month.  Most everyone starts the process in the three month period before 65.

Bruce Resnick · Answer

You can request Social Security to enroll you 3 months before the month of your 65th birthday, or the month of your 65th birthday, or up the 3rd month following your 65th birthday.
I recommend that you do it as soon as the above rules allow.

Ravi Natarajan · Answer

As early as 3 months prior to the 1st of the month you turn 65. Make sure you enroll in Both Parts A and B if Medicare is going to be your primary insurance.

Shawn Brown · Answer

If you are receiving Social Security benefits, you will automatically be enrolled in Medicare Part A and B. If you are not collecting Social Security benefits. In that case, you will need to contact the Social Security office online at www.ssa.gov or by phone to apply for Medicare Part B after you are officially enrolled in Medicare Part A and B. In that case, you'll want to contact a Medicare Broker to discuss your options between Medicare Advantage and Medicare Supplement Plans. You should select your plan within 3 months of your Medicare Parr B effective date.

Oscar Chavez · Answer

If you have insurance through your job, I recommend signing up for Part A, since it costs you nothing if you have 40 credits, and if you don't have insurance through your job, I recommend you go to a Social Security office 3 months before your birth day to sign up for Medicare Part A and B, and then call me.

Mark Boone · Answer

You have 2 months before the month you turn 65, the month you turn 65 and then 2 months after to enroll in a Medicare plan.  If you are talking about Medicare part A and part B, as long as you have 40 credited working quarters, you will get part A automatically at age 65. Part B you need to apply through Medicare.

Tristan Gibbs · Answer

You can enroll into Medicare up to 3 months prior to your birth month, and 3 months after. I recommend starting the process as early as possible in the event you have special circumstances that may need to be addressed.

Michael Turkaly · Answer

You can enroll in Medicare Part A & Part B, 3 months before your 65th birthday, the month of your birthday and 3 months after.

Laura Shipman · Answer

You may enroll in Medicare A and B three months prior to your birthday month, the month of your 65th birthday or three months after your birthday month.

Amy Jones · Answer

You can enroll in Medicare 3 months before your 65th birthday, the month of your birthday, and 3 months after your 65th birthday.

Peter Joseph · Answer

You can apply 3 months prior to your 65tth bday and 3 months after to avoid a penalty. Sign up for Medicare Part B by creating an account on ssa.gov.

Nora Alishahi · Answer

Considering that you have the credits to qualify. You can start the process up to 3 months prior to your birth month. The plan will start the first day of your birthday, when you turn 65

Charles Fletcher · Answer

Most people can enroll and have their insurance coverage in place by the 1st of their actual birthday month.  For example, August 10th birthday could have August 1st coverage.  You could also opt for enrollment under this Initial Enrollment Period as late as December 1 for an August birthday.

Brandi West · Answer

3 months before the month you turn 65, your birth month, and the 3 months after the month you turn 65.

Jonathan Potter · Answer

You can enroll three months before you turn 65. The month of your birth. Also, three months afterwards.

Frank Carta · Answer

You are allowed to enroll 90 days prior to turning 65, and your coverage will begin during the first day of the month of your 65th birthday.

Virginia Felder · Answer

You have 3 months before your birthday to three months after your birthday. You can enroll any time in that window

Sharri Crawford · Answer

You can begin the process 3 months before your 65th birthday. Your Medicare will begin the first day of the month you turn 65.

Robert Baez · Answer

You have 3 months before, month of you birth date, and 3 months after. Once you have applied for Parts A and B give me a call for Medicare plan enrollment.

Robert Baez
Licensed Trusted Advisor

Health | Wealth | Life | Medicare
Contact me.

Don Hansford · Answer

You can enroll up to 3 months prior to your birthday. Highly recommended that you apply as early as possible to assure all will be processed for your eligibility date.

Jeffrey Sodikoff · Answer

YOU CAN ENROLL 3 MONTHS BEFORE YOUR BIRTHDAY MONTH, THE MONTH OF YOUR BIRTHDAY, AND 3 MONTHS AFTER YOUR BIRTHDAY MONTH 

FOR EXAMPLE…..BORN JANUARY 20

FROM 10/1—-4/1……7 month window

Joseph Ritter · Answer

If you’re still working and have employer coverage, you can delay Part B without penalty, but you’ll want to sign up during a Special Enrollment Period after you retire or lose that coverage.

Heith Huguet · Answer

Three months before your 65th birthday. The month of your 65th birthday. And finally three months after your 65th birthday.

Jon Kelderman · Answer

Three months before the month you turn 65 unless your birthday is on the first of the month.  For example, if you were born on September 8 you could sign up for Medicare starting June first

Eizel Mere · Answer

Happy Birthday! Let me assist you in making the onboarding less complicated. Of you receive your ss benefits you will be automatically enrolled in both parta A and B of Medicare. If you do not, you will be automatically enrolled in part A only. Because of the recent goverment shutdown it is not possible to manually enroll into Medicare for now. Go to ssa.gov to reguster for an account, if you font already have one and start there. Please call me if you need further assistance.

James Wareheim · Answer

You can enroll in Medicare 2 months prior to your birth month or 2 months after.  Example - If your birthday is in February you can enroll in Part A and B December or January and you would be effective 2/1.  If you enroll in February you would be effective 3/1.  Once you enroll you have open enrollment for a Medicare Supplement or a Medicare Advantage plan.

Kim White · Answer

As early as 3 months before your birth month. Need to take into consideration if you are working with benefits and if you are going to continue to work or not.

Gary Church · Answer

You can start three months before your Birthday and three months following your Birthday.

You could enroll a little earlier than three months, but sign up within the time frame.

Tracy Corwin · Answer

You can enroll up to 3 months before you turn 65.  But you must enroll no later than 3 months after you turn 65.

Shelly Hefley · Answer

You can enroll three months prior to your birthday. I was strongly suggest you talk to an agent who is a broker. Brokers can handle supplements, advantage, plans your prescription drug plans. Definitely make sure that your agent is going to help you with everything there are some agents that do not help with drug plans. Please feel free to contact me. I will help you figure out what’s best for you.

Thermon Holliday · Answer

Medicare offers US-Citizens a window of enrollment that is 7months long.  However, you may opt to continue to utilize your Employer Group Health Plan.  If so you extend your initial enrollment period until you decide to leave the Employer Group Health Plan.

Jason Amen Hetep · Answer

3 months from the month of your birth month  you are eligible to enroll at your initial stage as long as you have your Part A and Part B.

Aisha Saleem · Answer

Your Original Medicare begins automatically at age 65 if you're receiving Social Security benefits. You should know all your options to decide what's best for you.

Pat Papson · Answer

Hello..
Sometimes Meficare sends the Medication card. Or you can call Meficare 3 months before your 65th Birthday, and if you choose a Supplement or Advantage Plan, it could be made effective on the first day of your Birthday month

Thanks.. Hope this information answered your question.

Ira Smith · Answer

You should receive letter from Medicare regarding your Part A and Part B.  Part A is relatively automatic with no cost to you.  Part B is currently a little over $200/month & includes medical procedures and doctor's appointments.  This is required to participate in Medicare options, such as Medicare Advantage Plans, which usually provide a lot more for you than Medicare alone.