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There are several enrollment periods for Medicare
(IEP) Initial Enrollment Period: The IEP is a 7-month period that begins 3 months before a person turns 65, their birthday month, and ends 3 months after the person turns 65.
NOTE: In most cases, if someone does not enroll in Part B or premium Part A when first eligible, they will have to pay a late enrollment penalty. The Part B penalty is assessed for as long as the person has Part B
(SEP) Special Enrollment Period: This period is for those over 65 who were covered by an employer group health plan. There are no penalties for signing up or adding Part B during this time. The Medicare guidelines dictate other special enrollment periods; see the Medicare guidelines for more details.
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