Aging into Medicare

The shopper is eligible for Medicare for the first time due to turning 65 or due to disability prior to turning 65.

Medicare Advantage/PDPs

Up to 3 months before the the first day of the month of initial Medicare eligibility, the month of, and up to 3 months after.
If the enrollment is completed during the initial 3 months of the enrollment window, the effective date will occur on the first day of the month of initial Medicare eligibility.
If the enrollment occurs anytime after the initial 3 months of the enrollment window, the effective date will occur on the first day of the month after the enrollment took place.
It is best to complete the enrollment during the first 3 months to avoid a potential lapse in coverage.

Medigaps

Up to 3 months before the the first day of the month of initial Medicare eligibility, the month of, and up to 6 months after.
If the enrollment is completed during the initial 3 months of the enrollment window, the effective date will occur on the first day of the month of initial Medicare eligibility.
If the enrollment occurs anytime after the initial 3 months of the enrollment window, the effective date will occur on the first day of the month after the enrollment took place.
It is best to complete the enrollment during the first 3 months to avoid a potential lapse in coverage.

Plan	Medicare Code/Reason	Dialer Code/Reason	Uses
MAPD/PDP	IEP	IEP	May not be used again after the plan goes into effect Can be used 3months before Medicare A/B effective dates, the month of, and 3 months after.
MA-Only	ICEP	ICEP	May not be used again after the plan goes into effect If Medicare A/B effective dates are the same, and enrolling into MA-Only plan, then this can be used 3months before effective dates, month of, and 3 months after. If using ICEP due to delayed Part B effective date, then you can enroll into MAPD or MA plan but can only use this SEP during the 3 months before the Part B effective date, not the month of nor after.
MAPD/MA-Only/PDP	IEP2	IEP2	May not be used again after the plan goes into effect If the shopper has Medicare already, due to disability, but is turning 65, this can be used 3months before effective dates, month of, and 3 months after.
Medigap	GI	GI	May be used multiple times until the enrollment window expires