When Can I Enroll?
Enrollment Periods
There are a few times throughout the year that you're eligible to sign up for Medicare or make changes to your current plan.
Please review the enrollment periods below to determine which applies to you.
Not sure which enrollment period applies to you? Review the options to the right—or reach out and we’ll walk you through it step by step.
Initial Enrollment Period (EIP)
Most people enroll in both Part A (Hospital Insurance) and Part B (Medical Insurance) when they first become eligible—usually around age 65.
You have a 7-month window to sign up, called your Initial Enrollment Period (IEP). This includes the 3 months before your 65th birthday, your birthday month, and the 3 months after.
If you want it even more conversational and supportive (which will convert better):
Most people sign up for Medicare Parts A (hospital) and B (medical) when they turn 65.
You’ll have a 7-month window to enroll—3 months before your birthday, your birthday month, and 3 months after. This is called your Initial Enrollment Period.
If you’re unsure about your timing, we’re here to help you get it right and avoid costly mistakes.
Annual Enrollment Period (AEP)
Each year, Medicare gives you a chance to review and make changes to your coverage. This is called the Annual Enrollment Period.
It runs from October 15 to December 7. Any changes you make will begin on January 1.
If you want it a bit more conversational and action-focused:
Every year, you have an opportunity to review your Medicare plan and make changes if needed. This happens during the Annual Enrollment Period, from October 15 to December 7.
Any updates you choose will take effect on January 1.
Not sure if you should make a change? We’re happy to review your plan with you and help you avoid overpaying.
Special Enrollment Period (SEP)
Sometimes, life changes may allow you to update your Medicare coverage outside of the usual enrollment periods.
For example, if you move, lose other insurance, or have certain qualifying events, you may be able to make changes. These are called Special Enrollment Periods.
The rules can vary depending on your situation, so it’s important to review your options carefully.
If you want a slightly more supportive, action-oriented version:
If you experience a life change—like moving or losing other coverage—you may be able to update your Medicare plan right away. This is called a Special Enrollment Period.
Since each situation is different, we’re here to help you understand your options and make the right choice.
Open Enrollment Period (OEP)
Not happy with your Medicare Advantage Plan? You have options.
Each year from January 1 to March 31, you can make a change during the Medicare Advantage Open Enrollment Period.
If you’re currently in a Medicare Advantage Plan, you can:
Switch to a different Medicare Advantage Plan (with or without drug coverage), or
Return to Original Medicare and, if needed, add a separate prescription drug plan
Any changes you make will take effect on the first day of the following month.
If you want a slightly warmer, more supportive version (better for conversions):
Not sure if your current plan is still right for you? We can review your options and help you make a confident decision—at no cost to you.
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Phoenix, AZ 85013
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Desert Health Benefits LLC is not affiliated with Medicare. Currently we represent more than 12 organizations which offer over 100 products in Arizona and California. Please contact medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get all your options.