What Happens If You Miss Medicare Enrollment?

Enrolling in Medicare on time is important to avoid coverage delays, late penalties, and higher costs. But if you’ve missed your Initial Enrollment Period (IEP), don’t panic—there are still options. Here's what happens if you miss Medicare enrollment and what you can do next.

What Is the Initial Enrollment Period (IEP)?

Your IEP is a 7-month window around your 65th birthday:

• Starts 3 months before your birthday month

• Includes your birthday month

• Ends 3 months after your birthday month

If you miss this window and don’t qualify for a Special Enrollment Period, you’ll need to wait for the General Enrollment Period (GEP).

General Enrollment Period (GEP)

🗓️ Runs from January 1 to March 31 each yearIf you enroll during the GEP:

• Your coverage begins July 1

• You may owe late enrollment penalties (explained below)

  
  

Late Enrollment Penalties

Missing your enrollment window can result in permanent penalties added to your monthly premiums.

Part B Penalty

• 10% penalty for every 12-month period you delayed enrollment

• Applies for life, unless you qualify for Medicaid

Part D Penalty

• 1% of the national base premium for every month you delayed enrollment without creditable drug coverage

• Also applies for life

  
  

Special Enrollment Periods (SEPs)

You may be able to avoid penalties and enroll later if you qualify for an SEP due to: ✅ Losing employer health coverage

✅ Moving to a new service area

✅ Becoming eligible for Medicaid or Extra Help

✅ Other qualifying life events

During an SEP, you can enroll in Parts A, B, C, or D without penalties in most cases.

What You Should Do If You Missed Enrollment

✅ Check your eligibility for a Special Enrollment Period

✅ Enroll during the next GEP if no SEP applies

✅ Apply for Extra Help or Medicare Savings Programs to offset higher costs

✅ Contact a Medicare advisor to review your options and get back on track

Final Thoughts

Missing your Medicare enrollment period can have consequences, but it’s not the end of the road. You may still be able to get coverage and reduce costs with the right guidance.

Need help navigating Medicare enrollment or understanding your next steps? Lindbergh and Associates is here to help!

📞 Call us today or schedule a free consultation to avoid penalties and get the coverage you deserve.