1. When to Sign Up for Medicare

  • Initial Enrollment Period (IEP): This is a 7-month window around your 65th birthday:
    • Starts 3 months before your birthday month.
    • Includes your birthday month.
    • Ends 3 months after your birthday month.

If you don’t enroll during this period and you’re not covered by other qualifying insurance (like through an employer), you may face penalties.

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