Question 1

When should I enroll in Medicare?

Accepted Answer

Most people enroll during their Initial Enrollment Period — the 7-month window that begins 3 months before the month they turn 65 and ends 3 months after.

Question 2

What is the Initial Enrollment Period?

Accepted Answer

A 7-month window around your 65th birthday: the 3 months before your birthday month, your birthday month, and the 3 months after.

Question 3

Can I delay Part B?

Accepted Answer

Yes, if you have active employer coverage from a company with 20 or more employees. Without qualifying coverage, delaying Part B can trigger a lifetime late-enrollment penalty.

Question 4

What is a Special Enrollment Period?

Accepted Answer

A Special Enrollment Period lets you enroll outside your Initial Enrollment Period without a penalty, usually within 8 months of losing active employer coverage.

Question 5

What happens if I miss my enrollment window?

Accepted Answer

You may need to wait for the General Enrollment Period (January 1 to March 31) and could face lifetime late-enrollment penalties for Part B and Part D.

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