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Home / Medicare Enrollment Deadline Calculator

Medicare Enrollment Deadline Calculator

Medicare Initial Enrollment Period Calculator

The Medicare Initial Enrollment Period is a 7-month window during which you can first sign up for Medicare coverage. The enrollment period begins 3 months before the month you turn 65 and ends 3 months after the month you turn 65. However, if your birthday is the first day of the month, your entire enrollment period is moved forward one month. 

When are you turning 65?






Frequently Asked Questions

What happens if I don’t sign up for Medicare when I’m supposed to?

What happens if I don’t sign up for Medicare when I’m supposed to?

If you don’t sign up for Medicare when you’re first eligible, you may have to pay a penalty if you decide to enroll later. You can sign up for Medicare during your Initial Enrollment Period, the Annual Enrollment Period (October 15-December 7) or during a Special Enrollment Period if you meet certain conditions. Additionally, you may have a gap in coverage if you don’t have other insurance.

How do I sign up for Medicare?

You can sign up for Medicare during your Initial Enrollment Period, which begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. You can also sign up during the Annual Enrollment Period (October 15-December 7) or during a Special Enrollment Period if you meet certain conditions.

To sign up for Medicare, you can:
*Visit the Social Security Administration’s website to apply online
*Call the Social Security Administration at 1-800-772-1213
*Visit a local Social Security office in person

When you sign up, you’ll need to provide information such as your birth date, Social Security number, and address. You’ll also need to choose whether to enroll in Original Medicare (Part A and Part B) or a Medicare Advantage plan (Part C).
It’s important to note that if you’re already receiving Social Security benefits, you’ll automatically be enrolled in Medicare Part A and Part B at age 65. However, you will still need to sign up for a Medicare Prescription Drug Plan (Part D) if you want coverage for prescription drugs.

How much does Medicare cost?

The cost of Medicare varies depending on the type of coverage you have. Original Medicare Part A typically doesn’t have a monthly premium for most people, but Part B does. Medicare Supplements, Medicare Advantage plans (Part C) and Medicare Prescription Drug plans (Part D) typically have a monthly premium in addition to deductibles and copayments.

Here are some of the costs associated with Original Medicare (Part A and Part B):
*Part A: Most people don’t pay a monthly premium for Part A (hospital insurance) because they or a spouse have paid Medicare taxes while working. However, if you don’t qualify for premium-free Part A, you may have to pay.
*Part B: The standard monthly premium for Part B (medical insurance) can vary. You may pay more or less depending on your income.
*Deductibles: Original Medicare has different deductibles for Part A and Part B that can change annually. 
*Copays: After you meet the deductibles of Original Medicare, you a be responsible for copays and coinsurance. A Medicare Supplement plan can cover these copays and coinsurance.

Medicare Supplement plans, also known as Medigap plans, are private insurance plans that help cover some of the out-of-pocket costs not covered by Original Medicare (Part A and Part B). These plans are standardized by the federal government, meaning that each plan must offer the same basic benefits, regardless of which insurance company is offering the plan.
Medicare Advantage plans (Part C) are offered by private insurance companies and must cover at least the same benefits as Original Medicare. The costs of these plans vary depending on the specific plan and the location, generally these plans have a monthly premium and may have an annual out of pocket maximum.
Medicare Prescription Drug plans (Part D) are also offered by private insurance companies and the costs vary depending on the specific plan, the location and the drugs you need. The cost of these plans usually includes a monthly premium, a yearly deductible, and copays or coinsurance for each prescription.
It’s important to note that costs can change each year, so it’s a good idea to review your coverage and costs each year during the Annual Enrollment Period (October 15-December 7)

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Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. While we have done our best to ensure all rates shown are accurate, human error is possible. In the rare event of a pricing mistake, the carrier’s rates will always supersede whatever price appears on our website.

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Michael Quinn

Michael Quinn

Licensed Agent, REMEDIGAP Founder

Michael Quinn is a nationally licensed insurance expert with over a decade of experience and has helped over 1000 clients with their Medicare Supplement needs. Michael has been consulted as an expert insurance source for dozens of high-profile websites such as USA Today, Yahoo.com, NerdWallet, Bankrate, ThinkAdvisor, The Epoch Times, and many more.

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Joann Quinn

Licensed Agent, REMEDIGAP Founder

Joann Quinn is a nationally licensed insurance expert with over a decade of experience and has personally helped thousands of clients with their Medicare Supplement questions and needs. Joann has been consulted as a Medicare expert for high-profile websites and runs a very popular YouTube channel that focuses on understanding the complexities of Medicare.

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  • Home
  • New to Medicare
    • New To Medicare
      • What is Medicare?
      • Medicare & You Handbook
      • Medicare Enrollment Periods
      • Medicare Enrollment Calculator
      Frequently Asked Questions
      • How Do I Get a New Medicare Card?
      • How To Track The Part B Deductible?
      • Which is better Medicare Plan F vs Plan G?
      • Medicare Plan N vs Plan G: What’s the difference?
      Medicare Email Course

      Free Medicare Course

      Say goodbye to Medicare complexity! Join our email course today and and gain a clear understanding of Medicare without the headaches.

      ENROLL NOW
  • Medicare Supplements
    • Medicare Supplement Info
      • Medicare Supplement Companies
      • What are Medicare Supplements?
      • Should I buy a Medicare Supplement?
      • Medicare Supplement States
      Medicare Supplement Plans
      • Medicare Supplement Plan A
      • Medicare Supplement Plan B
      • Medicare Supplement Plan C
      • Medicare Supplement Plan D
      • Medicare Supplement Plan K
      • Medicare Supplement Plan L
      • Medicare Supplement Plan M
      • High Deductible Plan F
      Most Popular Plans
      • Medicare Supplement Plan G
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  • Basic Info
    • Medicare Information
      • Medicare Basics
      • Medicare Part A
      • Medicare Part B
      • Glossary
      Medicare Drug Coverage
      • Medicare Part D
      • How To Find The Right Medicare Part D Plan?
      • What Is The Medicare Part D Penalty?
      Medicare Advantage

      MAPD Plans

      Medicare Advantage plans are usually an HMO or PPO. Advantage Plans have provider and pharmacy networks. Not all doctors, pharmacies or other providers are in every network. Costs are also specific to each MAPD plan and vary widely.

      The Good, Bad & Ugly of Medicare Advantage
  • About Us
    • About Us
      • Contact Us
      • Get to know us
      • Our licenses
      • BLOG
      REMEDIGAP Testimonials & Reviews
      Google Reviews

      What our clients have to say…

      People all over the country use REMEDIGAP to find their Medicare Supplement plans, learn about their coverage, and save money! We’ve been helping Medicare beneficiaries save money since 2013!

      Read Our Testimonials
      Get to know us

      About REMEDIGAP

      REMEDIGAP specializes in Medicare Supplement (Medigap) insurance and is licensed in 48 states, including the District of Columbia.

      Learn More
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