What Happens If I Miss My Initial Enrollment Period?

What Happens If I Miss My Initial Enrollment Period?

If you’re approaching age 65, you’ve likely heard about the Initial Enrollment Period — or IEP for short. It’s your first opportunity to enroll in Medicare.

But what happens if that window closes and you didn’t enroll?

Let’s walk through what to expect and what you can do next.

What Is the Initial Enrollment Period?

Your Initial Enrollment Period is a 7-month window that:

• Starts 3 months before the month you turn 65

• Includes your birthday month

• Ends 3 months after your birthday month

For example, if your birthday is in September, your IEP runs from June 1 through December 31. This is your best chance to enroll in Medicare Part A and Part B without penalty.

If You Miss It...

If you don’t sign up during your Initial Enrollment Period — and you don’t qualify for a Special Enrollment Period — you’ll have to wait for the General Enrollment Period.

The General Enrollment Period happens every year from January 1 to March 31. But if you enroll then, your coverage won’t begin until July 1.

That means you could be without coverage for several months.

You Might Also Face Late Penalties

Missing your IEP can also lead to lifelong penalties:

• Part B penalty: Your premium increases by 10% for every 12-month period you delayed enrollment

• Part D penalty: If you go more than 63 days without drug coverage, you’ll pay a monthly penalty based on how long you went uncovered

These penalties don’t go away — they stick with you as long as you have Medicare.

Is There a Way to Avoid the Penalties?

Yes — if you qualify for a Special Enrollment Period (SEP).

You may be eligible for an SEP if:

• You had employer group coverage through your job or your spouse’s

• You had creditable prescription drug coverage

• You lost employer coverage recently

An SEP lets you enroll in Medicare without penalty, even if your IEP has ended. You’ll need to provide documentation, but the process is straightforward with the right help.

Bottom Line

Missing your Initial Enrollment Period can be costly — both financially and in terms of your healthcare coverage.

If you think you missed the window or aren’t sure what to do next, we’re here to help. We’ll walk you through your options, check if you qualify for a Special Enrollment Period, and make sure you avoid unnecessary penalties.

Let’s make sure you’re covered — and confident — as you move into this next chapter.