Get to Know
Medicare

• If you’re already receiving Social Security, you get it automatically and at no cost as soon as you turn 65 years old.
• If you do not have Social Security:
  • - You must enroll 3 months before your 65th birthday.
  • - You or your spouse must have contributed to the Social Security for 10 years or 40 quarters

You must enroll during the Initial Enrollment Period, which spans 7 months:

• 3 months before turning 65 years old
• 1 month – Your birthday month!
• 3 months after the month you turn 65 years old

If you do not enroll during this period:

• You will have to pay a late enrollment penalty fee, so your Part B premium will be higher
• You have the option to enroll from January 1 to March 31, with coverage starting on July 1

Once you receive Part A and enroll in Part B, then you can become a MA plan (Part C) affiliate.

These are the dates when you may enroll:

Initial period

Affiliation for new Medicare (Parts A and B) beneficiaries

Annual Election Period (AEP)

Open enrollment from October 15 to December 7
Coverage starts the January 1 of the following year

Special Enrollment Period (SEP)

If you have a 5-star plan
For people who move to Puerto Rico
If you lose your group coverage
Platinum (Medicare and Medicaid) beneficiaries may change once every 3 months

Open Enrollment Period (OEP)

Enrollment from January 1 to March 31
Allows 1 change, within the first 3 months of the year, to another Medicare Advantage or Original Medicare plan