Medicare Eligibility & Enrollment Deadline Calculator

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Medicare Part B Start Date:

You’re not automatically enrolled in Medicare Part B in all situations.

The best time to enroll in Medicare Part B is 3 months before the month of your 65th birth day. Technically you can register as late as 3 months after your birth month, but it is HIGHLY advised that you register much earlier than this, and for good reason; Medicare can be complex if you're unfamiliar with how it works. You NEED that extra time to make sure everything goes smoothly and you don't end up making a coverage mistake or have to pay some type of penalty

Source: Medicare.gov

Medigap Initial Enrollment:

The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period. During that time you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B.

Enrolling before you turn 65: This is entirely possible and a really great idea. Here's why. If you apply for Medicare early and are issued a Medicare claim number, you can generally submit a Medigap application before your Part B effective date. Most insurance companies will view this as within your open enrollment period, which gives you the added benefit of not having to answer health related questions in your application. So, again, no need to wait - lock in your policy as soon as possible to get the best coverage at the lowest cost.

Medicare Advantage Initial Enrollment:

During the 7-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

Source: Medicare.gov

Medicare Part D Initial Enrollment:

You become eligible for Medicare Part D (prescription drug plan) at the same time you become eligible for Medicare. So you have 7 months - 3 months prior to the month you turn 65, the month you turn 65, and 3 months after the month you turn 65.

Important Note: Certain penalties can apply for those who do not sign up for a prescription drug plan during the enrollment period. Other factors are involved. It's best to speak with a licensed insurance agent in order to get the information you need to avoid penalties associated with late enrollment.

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Your name and email will only be used to send this information. We do not send spam. Privacy Policy *Important Note: If you have special circumstances as defined by Medicare, they may affect the deadlines presented above. Please call 1-800-787-5525 to confirm.

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Age Requirements for Medicare Eligibility – Who Qualifies for Medicare?

The typical age requirement to be eligible for Medicare benefits is 65 years old, although certain individuals with special circumstances can qualify for the program at an earlier age. Examples of those who qualify before age 65 may include individuals who have qualified for Social Security disability benefits for at least the past 24 months, or those who have end stage renal disease (ESRD).

Raising the age of eligibility for Medicare to age 67 has been seriously discussed in the U.S. Congress since 2016. If such a change took place, it will most likely not affect those who are close in age to being eligible for Medicare, but instead would require those born 10-20 years later than someone eligible for Medicare today. You can read more about the 2016 discussion of raising the Eligibility age for Medicare mentioned here, on the Congressional Budget Office official website.

When Can You Apply for Medicare?

Most folks in Texas are under the impression that you have to wait until you turn 65 to enroll in Medicare. In fact though, you can sign up for Medicare 3 months before your 65th birthday. In addition to this, you can apply for Medicare on the month of your birthday or as late as the 3rd month after the month of your birthday. Sound complicated? It’s not – it’s relatively simple. You have 7 months total to apply for Medicare benefits – 3 months prior to your birth month, your birth month, and then 3 months after your birth month. Remember that even though you have 3 months after your birth month, you should sign up for Medicare part A as soon as possible (3 months before your 65th birth month).

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Age Requirements for Medicare Eligibility – Who Qualifies for Medicare?

When Can You Apply for Medicare?

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Enter your information above to instantly view your Medicare deadlines

Age Requirements for Medicare Eligibility – Who Qualifies for Medicare?

When Can You Apply for Medicare?

Have questions? We're ready to help

1-800-787-5525 TTY Users 711

Know Your Medicare Deadlines? Use Our Free Calculator to Find Out Now.

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