A 7 month window that includes the 3 months before your 65th birthday month, your birthday month, and 3 months after your birthday month.

This period is important because enrolling on time can help you avoid late penalties, coverage delays, and possible gaps in your healthcare. It is also the best time to review your Medicare options and choose coverage that fits your needs.

If you are enrolling in Medicare during your Initial Enrollment Period because you are turning 65, you generally do not have to medically qualify for Original Medicare Part A or Part B; your eligibility is based on age and other Medicare requirements, not your health history.