Think of your IEP as a 7-month window around your 65th birthday:
- 3 months before: You can enroll and your coverage begins the first day of the month you turn 65. Example: Turning 65 on February 20? Enroll in November, December, or January for a February 1 start date, just like Heather in your scenario!
- Month you turn 65: Enroll this month, and your coverage starts the 1st of the next month. Example: February enrollment leads to March 1 coverage.
- 1 month after: Enroll in your birthday month + 1, and coverage starts the 1st of the next month. Example: March enrollment means April 1 coverage.
- 2 months after: Enroll in your birthday month + 2, and coverage starts the next month. Example: April enrollment results in May 1 coverage.
- 3 months after: Enroll in your birthday month + 3, and coverage starts the next month. Example: May enrollment translates to June 1 coverage.
Key Takeaways:
- The earlier you enroll, the sooner your coverage begins.
- Missing the IEP can lead to late enrollment penalties.
- Contact Social Security or Medicare.gov for personalized guidance.
Bonus Tip:
- Consider factors like existing coverage and doctor availability when choosing your enrollment date.
Remember: Don’t let the IEP mystery stress you out! This guide and additional resources empower you to make informed decisions about your Medicare journey.
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