When must individuals enroll in Medicare after turning 65?

Individuals must enroll in Medicare during a designated period surrounding their 65th birthday, which spans from three months before their birthday month to three months after. This seven-month window allows for flexibility, providing seniors with ample opportunity to sign up for Medicare Part A and Part B without facing penalties. Enrolling during this initial enrollment period ensures that they receive health coverage without delays—coverage typically begins on the first day of the month in which they turn 65, as long as they enroll within this timeframe.

This timeframe is particularly important for individuals to familiarize themselves with the benefits and structures of Medicare, as well as to assess their health care needs and make informed decisions about their coverage options. Missing this enrollment period can lead to gaps in health coverage and potential late enrollment penalties that could affect their premiums going forward.