Get More Out of Medicare

Medicare is available to United States Citizens and to legal residents who have lived in the United States for at least 5 consecutive years.

Your Initial Enrollment Period (IEP) starts 3 months before your 65th birthday, and ends 3 months after your 65th birthday. Your coverage will start on the month you turn 65, unless your birthday is on the 1st of the month, in which case you're coverage will start on the 1st of the prior month.
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You must be 65 to enroll in Medicare- your spouse's age doesn’t count.
You can enroll in Medicare even if you are not collecting Social Security yet.
You may enroll in Medicare even if you work past age 65 and have employer coverage or you are 65 and have coverage through your spouse’s employer.

It is best to sign up early to avoids gaps in coverage and late enrollment penalties.

The best way to buy with confidence is to compare multiple options, both when you initially sign up for Medicare Supplement or Medicare Advantage plans. Medicare Advantage plan options change from year to year, so it's best to talk during the Annual Enrollment Period (AEP) each year. This year, AEP begins on 10/15/21 and ends on 12/7/21.

If you're not happy with your plan Medicare Advantage plan, you're also able to switch during the Open Enrollment Period from 1/1/21-3/31/21. You're able to either switch to another Medicare Advantage plan, or back to Original Medicare.