When can you join a health or drug plan if you are disabled?

What can I do?

Sign up for a Medicare Advantage Plan or a Medicare Prescription Drug Plan. Your Medicare coverage begins 24 months after you get Social Security or Railroad Retirement Board (RRB) disability benefits.

When?

During the 7-month period that starts 3 months before your 25th month of getting Social Security or RRB disability benefits and ends 3 months after your 25th month of getting disability benefits.  

What can I do?

  • Sign up for a Medicare Advantage Plan and/or a Medicare Prescription Drug Plan.
  • Switch from your current Medicare Advantage Plan or Medicare Prescription Drug Plan to another plan.
  • Drop a Medicare Advantage Plan or a Medicare Prescription Drug Plan completely.

When?

During the 7-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

If you sign up for a Medicare Advantage Plan during this time, you can drop that plan at any time during the next 12 months and go back to Original Medicare.