-

  Vaughn's Medicare Enrollment Chart

    Updated 4-18-2019

   Back to MAIN PAGE - Medicare Enrollment Period

   This page is not intended for small screens.

     Table 1.
     Waiting Period vs. Application Date -

      --- when you have MISSED your Initial Enrollment Period (IEP)

Examples

Date of
65th
Birthday
Previous Year
.
Month of the Year You Turn 65
Next Year
General
Enrollment
Period
If You Missed Your March Enroll Dead
line

You Must Wait
Until
Next
Jan.
to
Enroll
If You Enrolled from Jan. 1 to Mar. 31 2010,

There is an additional 3-6 month
Waiting Period to Go Into Effect
When Your Insur-
ance
becomes Effectiv
e
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Jan. 15
can enroll
15

can enroll      D

E -   8 months - Has to wait the longest

can enroll      D

wait

wait

E

Feb. 15

-

can enroll
15

can enroll      D

E -  7 months wait, if deadline missed

can enroll      D

wait

wait

E

Mar. 15

-

can enroll
15

can enroll      D

E - 6 months wait, if missed

can enroll      D

wait

wait

E

Apr. 15

-

can enroll
15

can enroll      D

E -    5 months wait, etc.

can enroll      D

wait

wait

E

May 15

-

-

can enroll
15

can enroll      D

E -     4 months wait

can enroll      D

wait

wait

E

Jun. 15

-

-

can enroll
15

can enroll      D

E - 3 months wait

can enroll      D

wait

wait

E

Jul. 15

-

-

can enroll
15

can enroll      D

E -2 mon.

can enroll      D

wait

wait

E

Aug. 15

-

-

can enroll
15

can enroll      D

E -1

can enroll      D

wait

wait

E

Sep. 15

-

-

can enroll
15
can enroll
E  can enroll  D

wait

wait

E

Oct. 15

-

-

can enroll
15
can enroll

can enroll      D

wait

wait

E

Nov. 15

-

-

can enroll
15
enroll

can enroll      D

wait

wait

E

Dev. 15

-

-

can enroll
15

can enroll      D

wait

wait

E

Notes:

1. Your Initial Enrollment Period begins 3 months before your 65th birthday, and extends 3 months beyond your birthday.
2. You therefore have a 7-month window to enroll, before you are severely penalized.
3. The red
D stands for your Deadline to enroll.
4. The red
E stands for your Effective Date - when your insurance goes into effect
5. The General Enrollment Period (GEP) is January 1 through March 31 of each year.
6. January birthdays get penalized the most - an 8-month waiting penalty is imposed.
7. September, October, November, and December birthdays do NOT have to wait to enroll.
How fair is this? The penalty you receive is arbitrarily based upon your date of birth.
8. If you missed your IEP, and you apply in the next General Enrollment Period, an ADDITIONAL waiting period of 3-6 months is imposed before your insurance becomes effective - you must wait until July to be covered.
9. If you missed your IEP, your Part B premium will be raised by 10% - yet another penalty.
10. It only gets worse - if you miss your IEP, and then miss your first General Enrollment Period, you must wait 9 months, until the NEXT General Enrollment Period, to apply for enrollment, and your Part B premium goes up by 20%! AND, an ADDITIONAL waiting period of 3-6 months is imposed before your insurance becomes effective.


Medicare Initial Enrollment Period - Visit the Official Government Site (URL changes)

Medicare General Enrollment Period? - Visit the Official Government Site (URL changes)

My personal opinion? This is but one more area in which your government punishes you, in MULTIPLE ways, if you are not informed. And arbitrarily by birthday, too! Isn't that just great? Yeeaaa, Congress. Somebody should sue.
What do YOU think?
.

100-900

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

35

65


DISCLAIMER
The author is not an expert on Medicare.
I am simply a data analyst.
NO PERSONAL ADVICE IS OFFERED OR IMPLIED.
All reported errors will be corrected, after verification.

Thank you very much for your time.

-

top of page

Tags: medicare enrollment chart

Vaughn Aubuchon Author Bio

Vaughn's Summaries
©2014, 2019 Vaughn Aubuchon
www.vaughns-1-pagers.com
All Rights Reserved
Site Map

This Vaughns Medicare Enrollment Chart
was last updated on 2019-04-18.