Initial Enrollment Period (IEP)
7-month window around your 65th birthday to enroll in Medicare without penalty.
Full explanation
The Initial Enrollment Period (IEP) is the 7 months around your 65th birthday: the 3 months before, the birth month, and the 3 months after. Enrollment in Part A is automatic if you're already taking Social Security; otherwise you must sign up. Enrolling early (months 1-3) means coverage starts the month you turn 65; enrolling late (months 5-7) means coverage starts later, with delays. Missing the IEP without creditable employer coverage triggers Part B and Part D late enrollment penalties that last for life.
📎 Primary source: official source
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