

When you first become eligible for Medicare, keep in mind the enrollment periods for Medicare Part A and B. Most people should not delay enrollment. If you do not sign up for Medicare when you first become eligible, you may have to pay a lifetime late enrollment penalty once you do enroll. Typically, this depends on what health coverage you have right now.
Even if you are in good health, it is important to plan ahead for your future health needs and enroll in Medicare as soon as possible. This is a wise financial decision that protects you against late enrollment penalties, gaps in coverage and unexpected health expenses.
As you prepare for your future, we’d be happy to help you navigate Medicare enrollment. We’re here to help you make informed decisions you feel good about.
7-month period beginning 3 months before the month you turn 65, the month you turn 65, and 3 months after the month you turn 65
January 1 – March 31
(Available to individuals who did not sign up during their Initial or Special Enrollment periods. Coverage will begin July 1)
Available for individuals who did not sign up for Medicare because they were receiving credible coverage through their employer or spouse’s employer. You may enroll:
6 months from when you begin Medicare Part B. (You will NOT need to answer health questions)
You may purchase a Medigap policy at any time
(You WILL need to answer health questions)
7-month period from when you begin Medicare Part B
(Includes 3 months prior to your birth month, your birth month and 3 months following your birth month)
October 15 – December 7
(Coverage begins 1/1 of the next year)
January 1 – March 31
(Changes will go into effect the first day of the next month)
For a complete list of SEPs and their enrollment periods, please contact the Wooten Agency. The following are examples of Special Enrollment circumstances.