When can I enroll in Medicare?

You can enroll in Medicare during the Initial Enrollment Period (IEP), which starts three months before you turn 65 and ends three months after your birthday month. If you miss this window, you can enroll during the General Enrollment Period (GEP) from January 1 to March 31 each year, but coverage won't begin until July 1. However, delaying enrollment may result in a late enrollment penalty. If you or your spouse are still working and have employer-provided health insurance, you may have a Special Enrollment Period (SEP) that allows you to enroll when the employment or the coverage ends. Additionally, those with certain disabilities or medical conditions may qualify for Medicare before turning 65. Understanding these enrollment periods is crucial to ensure you receive the benefits you deserve.