When does the initial Medicare enrollment period begin?

The initial Medicare enrollment period begins three months before an individual turns 65, and it extends for seven months in total. This allows those approaching eligibility for Medicare to enroll during a timeframe that includes the three months leading up to their 65th birthday, the month of their birthday, and the three months following it.

This process is designed to provide ample opportunity for individuals to sign up for Medicare Part A (hospital insurance) and Part B (medical insurance), ensuring they have health coverage when they reach the age of 65, which is the typical age for eligibility. Understanding the timing of this enrollment period is crucial for those nearing the eligibility age to avoidany gaps in coverage or potential late enrollment penalties.

The other choices do not align with Medicare's enrollment rules, as eligibility starts at age 65 rather than ages 60, 62, or 70.