Turning 65
If you are not yet collecting Social Security, you must actively apply for Medicare.
You have a 7-month Initial Enrollment Period (IEP) to sign up without possibly facing lifelong late-enrollment penalties:
- 3 months before the month you turn 65
- The month you turn 65
- 3 months after the month you turn 65
Note: If your birthday falls on the first day of the month, your entire enrollment timeline shifts one month earlier.
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