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Medicare’s “enrollment periods” explained - MARCA
Although most people enroll in Medicare during their “Initial Enrollment Period” (IEP), which starts three months before the month you turn 65 and ends three months thereafter, there are other times which you can also sign up for Medicare healthcare coverage. The acceptable “enrollment periods” are important, because enrolling in Medicare outside them can result in severe penalties. The most common period to enroll in Medicare without penalty begins 3 months before you turn 65 and ends three months later - a 7 month window to enroll. But, in certain other circumstances - such as when you have other “creditable” healthcare coverage from an employer - it’s also possible to delay enrolling until after age 65, thus saving the Medicare premiums you would otherwise pay for Medicare Part B. This MARCA Personal Finance article explains the acceptable Medicare enrollment periods. Keep in mind, however, that enrolling in free Medicare Part A (inpatient hospitalization coverage) is mandatory to collect Social Security after age 65. Read the MARCA article about Medicare enrollment periods here.
This posting is presented for informational purposes only and does not represent legal or financial guidance. Any opinions or interpretations presented are either those of the original author or, in the case of articles authored by the AMAC Foundation, are the opinions of AMAC Foundation staff, originally trained and accredited by the National Social Security Association (NSSA) and certified via the AMAC Foundation. Any links included in the article are valid on the posted date; socialsecurityreport.org cannot guarantee the duration of the links’ validity. NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (https://amacfoundation.org/services/) or email us at ssadvisor@amacfoundation.org. Because we are a non-profit organization, there is no charge for these services.