Turning 65 window finder
Enter a birth date to see the 7-month Initial Enrollment Period and when coverage starts for each sign-up month.
Nothing you type here is saved or sent anywhere.
How this works
The Initial Enrollment Period lasts 7 months. It starts 3 months before the month a person turns 65 and ends 3 months after that month (Medicare.gov: Joining a plan). Coverage always starts on the first of a month. Signing up before the 65th birthday month means coverage starts the month they turn 65; signing up during or after that month means coverage starts the next month (Medicare.gov: When does Medicare coverage start?).
If the birthday is on the 1st of the month, coverage can start the month before they turn 65 (Medicare.gov: When does Medicare coverage start?), so this tool moves the window one month earlier.
Summaries are for general information for licensed agents, not legal advice. Rules change; always follow current CMS, state and carrier requirements.
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