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Your Medicare enrollment depends on your age, health condition, work status, and the time of year.
Initial Medicare Enrollment Period
Your Medicare eligibility typically begins when you turn 65 (unless you have certain healthcare conditions). The 3 months prior to your 65th birthday begin what is referred to as your initial Medicare enrollment period.
Special Medicare Enrollment Period
If you do miss your initial enrollment period (IEP), you may not face late fees if you are eligible for a special enrollment period (SEP). SEPs are based on you and your spouse’s employment status.
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General Medicare Enrollment Period
If you miss both your IEP and SEP, you may also apply for Original Medicare during the annual general enrollment period (GEP). This occurs January 1st through March 31st, and your coverage begins July 1st.
Annual Medicare Enrollment Period
Annual Enrollment offers Medicare beneficiaries the chance to change their current coverage. This period occurs from October 15th through December 7th, and gives Medicare beneficiaries the opportunity to change their current coverage plan.
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If you are preparing to enroll in Medicare, we can help. If you want to speak with one of our experts and get a free quote, call MedicareMisty.