Enroll at the right time.

Your Initial Enrollment Period ( IEP) is your first chance to enroll in Medicare.

Your IEP is seven months long and includes the three months before you turn 65 , your birthday month and three months after your birthday.

If you enroll before the month you turn 65, your coverage starts the first day of your birthday month.

If you enroll during your birthday month or later your coverage start date could be delayed.

If you’re 65 under and have a qualifying disability, you are automatically enrolled in Part A and Part B after you get Social Security or Railroad Retirement benefits for 24 months.

If you are under 65 and have ALS, you are automatically enrolled in Part A and Part B the first month you get disability benefits from Social Security or the Railroad Retirement Board.

You can review your choices once a year. 

After you choose your Medicare coverage, you can make changes each year during Medicare Open Enrollment, which is from October 15 to December 7.

You maybe eligible for a Special Enrollment Period.

You may be able to switch your Medicare coverage during a Special Enrollment Period ( SEP) if you have certain life changes, such as:

• You retire and leave a health care plan offered by your employer or union

• You move out of your current plan’s service area

There are other Special Election Period  options in certain states contact  www.craigsmithinsurance.com

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