Don't miss critical deadlines that could cost you thousands. Get the complete guide to Medicare enrollment periods, penalties, and when to enroll.
Now through December 7, 2025 - Change plans, add coverage, or switch from Original Medicare to Medicare Advantage.
Every important date, deadline, and enrollment period you need to know to avoid penalties and maximize your Medicare benefits.
When: 7-month period around your 65th birthday
Timeline: 3 months before + birthday month + 3 months after
What you can do: Enroll in Parts A, B, D, Medicare Advantage, or Supplement plans
⚠️ Missing this period can result in permanent penalties!
When: January 1 - March 31 annually
Coverage starts: July 1
What you can do: Enroll in Parts A and B if you missed IEP
⚠️ Late enrollment penalties apply - 10% per year delayed
When: January 1 - March 31 annually
Who: Current Medicare Advantage members only
What you can do: Switch plans or return to Original Medicare
When: October 15 - December 7 annually
Coverage starts: January 1
What you can do: Make any Medicare coverage changes
✅ Best time to review and change all your Medicare coverage!
When: Year-round with qualifying events
Examples: Losing employer coverage, moving, qualifying for Medicaid
Time limit: Usually 60 days from qualifying event
Get personalized guidance from licensed Medicare specialists serving Virginia Beach, Norfolk, and Chesapeake