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MEDICARE DATES

When to enroll and make changes to your coverage

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2025 Medicare Changes

Learn more about important changes to your Medicare plan

January 1 - March 31 of 2025

General Enrollment Period (GEP)

If you missed your Initial Enrollment Period (IEP), you can enroll in Original Medicare (Part A and Part B) during this time. Your coverage will begin the first day of the month after you sign up. You may also choose to join a Medicare Advantage (Part C) plan, with or without prescription drug coverage.

Late Enrollment Penalties

  • If you are not eligible for premium-free Part A, you may have to pay a higher premium for late enrollment.
  • A late penalty may also apply to Part B if you did not sign up when you were first eligible.

Starting January 1, 2025, if you must pay for Part A and sign up for Part B during this General Enrollment Period, you will also have the option to enroll in a Medicare drug plan (Part D). Your drug coverage will begin the month after your plan processes your request

If you’re already enrolled in a Medicare Advantage Plan (Part C), you have a one-time opportunity during this period to:
  • Switch to a different Medicare Advantage plan (with or without drug coverage).
  • Drop your Medicare Advantage plan and return to Original Medicare (Part A & Part B). You can also enroll in a Medicare Part D prescription drug plan if needed.

October 15 - December 7 of 2025

Annual Enrollment Period (AEP)

During Medicare’s Annual Enrollment Period (AEP), you can make changes to your Medicare coverage. Any changes you make will take effect on January 1 of the following year.

You can:

  • Join, switch, or drop a Medicare Advantage (Part C) plan.
  • Enroll in or change a Medicare Prescription Drug Plan (Part D).
  • Switch between Original Medicare and a Medicare Advantage plan.

This is the best time to review your Medicare coverage options to ensure they still meet your healthcare needs.

New to Medicare? Know Your Enrollment Dates!

Initial Enrollment Period (IEP)

If you’re turning 65 soon, don’t miss your Initial Enrollment Period (IEP), which begins three months before your 65th birthday and lasts for seven months.

Special Enrollment Period (SEP)

Still working and covered under an employer-sponsored health plan? If you plan to retire soon, you may qualify for a Special Enrollment Period (SEP) to sign up for Medicare without late penalties. Speak with a Medicare Advocate today to see if you qualify.

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