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Enter your date of birth to instantly see every key Medicare enrollment window, coverage start date, and Medigap deadline — specific to your situation.
Your Medicare enrollment windows are calculated from your 65th birthday. We only use this to compute your dates — nothing is stored.
When within your 7-month window you sign up affects when your coverage actually begins. Earlier is almost always better.
| If You Sign Up In… | Your Part B Coverage Starts | Your Specific Date |
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These dates are calculated based on standard Medicare enrollment rules as of 2025–2026. Individual circumstances — including employer coverage, disability status, and state of residence — may affect your specific enrollment windows. Always confirm your dates at Medicare.gov or by calling 1-800-MEDICARE. This tool is educational, not legal or insurance advice.
Your Initial Enrollment Period spans 3 months before, your birthday month, and 3 months after you turn 65.
A 6-month guaranteed-issue window opens when you're both 65 and enrolled in Part B. Missing it has lasting consequences.
Late enrollment penalties on Part B and Part D are not one-time fees — they increase your premiums for life.
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Understanding your deadlines is step one. The five-dimension framework helps you decide what to do once you're enrolled.