Medicare Enrollment Deadlines You Can't Afford to Miss

Initial Enrollment Period (IEP): the 7 months around your 65th birthday — three months before, your birth month, and three months after.

Annual Enrollment Period (AEP): October 15 through December 7. You can join, drop, or switch Medicare Advantage and Part D plans for coverage starting January 1.

Medicare Advantage Open Enrollment (OEP): January 1 through March 31. If you're already in a Medicare Advantage plan, you get one change.

Special Enrollment Periods (SEPs): triggered by life events like moving, losing employer coverage, or qualifying for Extra Help.

Missing the right window can mean lifetime penalties on Part B and Part D premiums. We track every deadline for our clients automatically.