Calculator
Medicare enrollment date calculator
Enter your date of birth. You will see your 7-month Initial Enrollment Period, the date your coverage starts for each month you might sign up, and your Medigap open enrollment window.
Your birthday stays in your browser. Nothing is sent or saved.
Frequently asked questions
It is 7 months long: the 3 months before the month you turn 65, your birthday month, and the 3 months after. If your birthday falls on the 1st of the month, Medicare treats you as turning 65 the month before, so the whole window shifts one month earlier.
Since January 1, 2023, if you sign up in your birthday month or any of the 3 months after it, Part A and Part B start on the first day of the month after you sign up. Signing up in the 3 months before your birthday month starts coverage on the first day of your birthday month.
Not always. If you have health coverage from your own or your spouse’s current job at an employer with 20 or more employees, you can usually delay Part B without a penalty. When that coverage ends, you get an 8-month Special Enrollment Period. Smaller employers often require Medicare to pay first, so check before you wait.
You can sign up during the General Enrollment Period, January 1 to March 31, with coverage starting the month after you sign up. You may owe a Part B late enrollment penalty of 10% for each full 12 months you went without Part B when you could have had it.
Related guides
Medicare · 7 min readTurning 65 in Nebraska: A Month-by-Month Medicare ChecklistA month-by-month Medicare checklist for turning 65 in Nebraska: when to sign up, when coverage starts, employer coverage, Part B and your Medigap window.Read
Learn · 5 min readYour Initial Enrollment Period: When to Sign Up at 65 and When Coverage StartsYour 7-month Medicare Initial Enrollment Period explained: a table of windows by birthday month, when coverage starts, the 1st-of-the-month rule, and how to apply.Read
Learn · 5 min readWorking Past 65: When You Can Delay Medicare (the 20-Employee Rule)Still working at 65? How the 20-employee rule decides who pays first, when you can safely delay Part B, what COBRA changes, and how to sign up when you retire.Read
Learn · 6 min readPart B and Part D Late Enrollment Penalties, With Worked ExamplesHow the Part B, Part D and Part A late penalties are calculated, with worked 2026 and 2027 examples, the rounding rules, and the exceptions that avoid them.Read
Learn · 7 min readMedigap Open Enrollment, Guaranteed Issue Rights and Underwriting in NebraskaWhen Nebraskans can buy Medigap with no health questions, the guaranteed issue rights that reopen the door, the under-65 rule, and why there's no birthday rule.Read
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