Open Window is a free, privately run guide. Tell us what's going on in your life, see which enrollment period generally applies, gather what you'll need, and, only if you choose, ask a licensed insurance agent to reach out.
Pick the situation that fits. We'll show which enrollment period generally applies. It's a starting point for your questions, not a ruling on your eligibility.
Starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. For many people it's the first and simplest window to sign up for Part A and Part B.
Moves with your birthday, so see the explainer below.
The yearly window to join, switch or drop a Medicare Advantage plan or a Part D drug plan. Changes generally take effect January 1.
Also called Open Enrollment or the Fall window.
For people already in a Medicare Advantage plan: a chance to switch to a different Medicare Advantage plan or go back to Original Medicare (and add a drug plan).
Generally one change during this window.
Moving out of your plan's area, losing employer coverage, and certain other events can open a limited window outside the usual dates. Length and rules depend on the event.
Can happen any month. Documentation may be required.
For people who didn't sign up for Part A or Part B when first eligible and don't qualify for a Special Enrollment Period. Coverage generally starts the month after you sign up.
Late-enrollment penalties can apply in some cases.
Having the basics nearby makes any conversation (with Social Security, Medicare.gov or an agent) easier. Your ticks stay on this device only.
0 of 10 ready
Share a few details and a licensed insurance agent from one of our partners may contact you about plan options available where you live. There's no cost to ask, and you're never required to enroll in anything.
Open Window is a free informational and referral service run by a private company. We're not an insurer, agent or broker, and we don't enroll anyone in Medicare.
Original Medicare is Part A (hospital) and Part B (medical), run by the federal government. Medicare Advantage (Part C) plans are offered by private companies approved by Medicare and bundle Part A and Part B coverage, often with extras. Drug coverage is Part D, which can be standalone or built into some Advantage plans.
Medicare Supplement (Medigap) is sold by private insurers to help with some costs Original Medicare doesn't cover. It's used with Original Medicare, not with Medicare Advantage. Availability and rules vary by state.
Not necessarily. There may be other periods, such as the General Enrollment Period or a Special Enrollment Period, though coverage could start later and some people face late-enrollment penalties. Medicare.gov, Social Security or your State Health Insurance Assistance Program (SHIP) can confirm your situation.
No. The tools are free, and requesting a call is optional. Submitting a request does not enroll you in any plan.
Licensed insurance agents or organizations among our independent partners may contact you, only in the ways you consent to. See the partners page and our Privacy Policy.