Your Medicare enrollment depends on your age, health condition, work status, and the time of year.
Your Medicare eligibility typically begins when you turn 65 (unless you have certain healthcare conditions). The 3 months prior to your 65th birthday begin what is referred to as your initial Medicare enrollment period.
If you do miss your initial enrollment period (IEP), you may not face late fees if you are eligible for a special enrollment period (SEP). SEPs are based on you and your spouse’s employment status.
If you miss both your IEP and SEP, you may also apply for Original Medicare during the annual general enrollment period (GEP). This occurs January 1st through March 31st, and your coverage begins July 1st.