When are you eligible?
Most people become eligible at age 65. Medicare may also be available earlier for people receiving qualifying disability benefits, people with ALS or people with End-Stage Renal Disease. The usual disability waiting period does not apply the same way to every condition; ESRD start dates have specific rules.
Receiving benefits can lead to automatic enrollment in some circumstances. Otherwise, apply through Social Security. If Railroad Retirement benefits apply, contact the Railroad Retirement Board.
Step 1: confirm Parts A and B
Check your Medicare card for the effective dates of Part A and Part B. If you need to apply, use Social Security’s Medicare enrollment service or call 1-800-772-1213. An agent does not issue the government Medicare card.
If you have coverage through current employment, confirm whether delaying Part B is appropriate and what deadlines apply when employment or coverage ends. Ask about coordination of benefits and HSA contributions before deciding.
Step 2: compare the coverage you need
Review Original Medicare and Medicare Advantage. Consider prescriptions, Medigap, doctor access, premiums and other costs. A plan must be available in your service area, and you must meet its eligibility rules.
Use the plan documents for the correct year. Coverage beginning January 1, 2027 should be checked against 2027 benefits, networks and drug lists.
Step 3: use the right enrollment period
| Period | When | What it means |
|---|---|---|
| Initial enrollment | Generally the seven-month period around your 65th birthday. Disability and other circumstances can change the timing. | Enroll in Medicare when first eligible; confirm your health and drug plan election dates. |
| Annual Open Enrollment | October 15–December 7, 2026 | Make eligible health and drug plan changes for January 1, 2027. |
| Medicare Advantage Open Enrollment | January 1–March 31 | People already in Medicare Advantage can make one eligible change to another MA plan or return to Original Medicare, with an opportunity to join a Part D plan. |
| Special Enrollment Period | Depends on the qualifying event | Moving, loss of certain coverage or other qualifying circumstances may allow a change. The deadline and allowed change depend on the event. |
The Medicare Advantage Open Enrollment Period is for people already enrolled in Medicare Advantage; it does not let everyone join MA from Original Medicare. Medigap has separate enrollment protections. Special Enrollment Period rules depend on the qualifying event.
Step 4: apply and confirm the start date
- Prepare your Medicare card, ZIP code and current insurance information. Use the secure application channel specified by the insurer or your agent.
- List doctors and medicines so they can be checked against the chosen plan.
- Review the plan name, contract/plan identifiers, premium and requested effective date.
- Keep confirmation details and watch for the insurer’s acceptance and welcome materials.
- Do not cancel current coverage until the transition and any Medigap or drug coverage changes are confirmed.
Get help without pressure
Choose a Licensed Insurance Agent for a phone, email or appointment request. You can also contact our office to discuss the assistance available. There is no obligation to enroll.
Never send sensitive identification or medical records through an ordinary website message. Your agent will explain how to provide any necessary information securely.