How to enroll in Medicare if you missed your Initial Enrollment Period

If you missed your Initial Enrollment Period (IEP) and need to enroll in Medicare, you likely will have to enroll during either a Special Enrollment Period (SEP) or the General Enrollment Period (GEP).

Special Enrollment Period:

• If you are eligible for the part B SEP, you can sign up in Medicare with out penalty at any time even as you have job-based coverage and for 8 months when you lose your job-based insurance otherwise you (or your partner) stop working, whichever comes first.
• In case you are under 65, are Medicare-eligible due to disability, and have job-based coverage thru a family member’s current work, you could additionally be entitled to the SEP if there are at least a hundred personnel at your family member’s place of business.
• Understand the differences in coverage through task-based insurance in case you are Medicare-eligible due to age as opposed to disability.

General Enrollment Period:

• The GEP takes area January 1 through March 31 of each yr. all through this period you could enroll in Medicare element B.
• Enrolling at some point of the GEP means your coverage will start on July 1. until that point, you’ll no longer be covered by means of Medicare.
• Enrolling in Medicare all through the GEP way you may have to pay a part B premium penalty.