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Medicare Enrollment Periods Explained — 2026 Guide

Understanding when you can enroll in Medicare is critical. Miss your window and you could face a lifetime penalty. The Initial Enrollment Period (IEP) is a 7-month window surrounding your 65th birthday. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, allowing you to switch plans. The Special Enrollment Period (SEP) applies when you lose employer coverage. Peter can help you navigate every window — call (909) 217-2630.

Medicare Advantage vs Medigap — Which Is Better for Inland Empire Seniors?

Medicare Advantage (Part C) bundles hospital, medical, and often drug coverage into one plan — usually with $0 premium but network restrictions. Medigap (Medicare Supplement) pays the gaps left by Original Medicare, with higher premiums but freedom to see any doctor nationwide. For Inland Empire seniors who value flexibility and travel, Medigap often wins. Peter offers a free side-by-side comparison tailored to your doctors and budget.

Turning 65 in California? Your Complete Medicare Checklist

Three months before your 65th birthday: sign up for Medicare Part A and Part B at ssa.gov. Two months before: meet with Peter to compare Medicare Advantage and Medigap plans for your area. One month before: enroll in your chosen plan. At 65: your coverage starts! If you have employer coverage, rules are different — call Peter to avoid the late enrollment penalty. CA Lic #0M55972.

How to Switch Medicare Plans During Open Enrollment

The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. This is your window to switch Medicare Advantage plans, change Part D drug coverage, or move between Original Medicare and Medicare Advantage. Changes take effect January 1. Peter reviews your current plan each AEP against new options in your area — free of charge. Don't stay in the wrong plan another year.

The Medicare Initial Enrollment Period (IEP) is a 7-month window: 3 months before the month you turn 65, the month of your birthday, and 3 months after. Enroll during the first 3 months for the earliest coverage start date. Wait until after your birthday month and your coverage is delayed 1–3 months. In 2026, the Part D out-of-pocket cap is $2,100 — once you hit that, your covered drugs cost $0 for the rest of the year. Insulin is capped at $35/month from day one. Peter helps Chino, Ontario, Rancho Cucamonga, Fontana, and Inland Empire seniors navigate every step of initial enrollment — free of charge.