If I sign up for Part D during Medicare enrollment, how soon does the coverage start to take effect?

The date the coverage becomes effective depends on which enrollment period you used to sign up for your Part D plan. If you sign up for a Part D plan during the Annual Enrollment Period, which runs from October 15th through December 7th, your coverage will be effective January 1st of the following year. If you sign up for a Part D plan during the Open Enrollment Period (OEP), there are only certain situations in which you can do this, which runs from January 1st through March 31st; the coverage will be effective the first of the month after you submit your enrollment. For example, if you sign up in January, your Part D coverage will be effective February 1st. If you sign up when you turn 65 during your Initial Enrollment Period (IEP), your coverage will be effective the first of the month of your birthday month. For example, if you turn 65 on September 8th and submit your enrollment application in August, your Part D plan will be effective on September 1st. If you turned 65 but were still working and deferred your enrollment in Medicare because you had health insurance provided by your employer, your coverage will begin the first of the month following your enrollment in a Part D plan. If you enroll in a Part D plan during a Special Enrollment Period. The effective date of your coverage will generally be the first of the month following your enrollment.

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We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov.