When to Sign Up for Medicare | Avoid the Penalty

Timing is everything when it comes to Medicare enrollment. Missing your window can result in lifetime penalties.

Initial Enrollment Period

Your IEP begins three months before your 65th birthday month and ends three months after.

Working Past 65

If you have creditable employer coverage, you may be able to delay Part B without penalty. We help you evaluate if this is the right move.

How This Affects New Jersey Seniors

Many NJ residents work past 65. Navigating the transition from employer coverage to Medicare requires careful planning.

Talk to a Local NJ Medicare Advisor

We guide seniors in Gloucester County through the entire enrollment process for free.