Enrollment Periods

You can enroll in a Medicare Supplement plan anytime, but the best time is during your initial enrollment period because you are guaranteed approval in your initial enrollment period. Most Medicare Supplement plans require underwriting if you are not in a guaranteed issue election period.

You're eligible for Original Medicare if you or your spouse paid into Social Security for at least 10 years through employment, you are a citizen or permanent resident of the U.S., and you are age 65 or older.

The full Social Security retirement age varies based on the year you were born (age 66 for those born 1943 to 1954), but you're eligible for Medicare at age 65. You do not have to be retired to enroll. If you'll have employer-provided health coverage at age 65, contact your benefits administrator (typically part of your human resources department) to find out how Medicare will work with your current coverage.

  • Initial enrollment period
    When to enroll
    • Initial enrollment period (if you're turning 65 and starting Medicare): You can enroll in Part A and Part B at one of several different times: 3 months prior to your 65th birthday, the month of your 65th birthday, or three months after it. If you enroll prior to your birth month, coverage will begin the first day of the month you turn age 65. For example, if your birthday is January 15 and you enroll in December, your coverage will begin January 1.
    • Special enrollment period (if you're over 65 and starting Medicare): If you delayed Part B enrollment when you were first eligible (such as while covered under your or your spouse’s employer-provided or union plan), you can use the Part B special enrollment period. You’ll have an 8-month enrollment window that begins when your employer or union coverage ends or when employment ends, whichever is first. If you're 65 and will have COBRA coverage on an employer’s policy, you MUST sign up for Part B during the first 8 months you have COBRA to avoid a late enrollment penalty. You won't be eligible for a special enrollment period..
    • General enrollment period (if you don’t enroll during the initial or special enrollment periods): This runs from January through March 31 of each year. Plan coverage begins July 1.

Premera Blue Cross is an HMO plan with a Medicare contract. Enrollment in Premera Blue Cross depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premium, and/or copayments/coinsurance may change on January 1 of each year. The formulary, pharmacy network, and provider network may change at any time. You will receive notice when necessary. You must continue to pay your Medicare Part B premium. To join a Premera Blue Cross Medicare Advantage Plan, you must have Medicare Part A and Part B and live in the Premera Blue Cross Medicare Advantage service area (King, Pierce, Snohomish, Spokane, and Thurston counties in Washington). Members must select a Primary Care Provider (PCP) from the Premera Blue Cross Medicare Advantage Plans provider network. For sales events, a salesperson will be present with information and applications. For accommodation of persons with special needs at sales meetings, call 888-868-7767 (TTY: 711) 7 days a week, 8 a.m. to 8 p.m.

Plan A 021202 (06-2010); 021198 (06-2010); Plan N 021203 (06-01-2010); 021199 (06-01-2010); Plan F 021204 (06-2010); 021200 (06-2010); High Deductible Plan F 021205 (06-2010); 021201 (06-2010); Plan G 042196 (01-2018); 042195 (01-2018)