Medicare Deadlines That Could Cost You | Durham News

Missing your Medicare deadline can cost you big—lifetime premium hikes and healthcare gaps. Know your enrollment windows: the 7-month Initial Enrollment Period around your 65th birthday is critical; missing it? You’ll face penalties and a delayed sign-up window. If you’re still working, you get an 8-month Special Enrollment Period after losing employer coverage—but Part D’s SEP is only 2 months long. If you miss both, enroll during the January–March General Enrollment Period, but expect delays and penalties. Don’t forget annual open enrollment (Oct 15–Dec 7) to review or switch plans—your coverage could change every year.

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