How far in advance should I apply for Medicare Part B?

You should apply for Medicare Part B up to three months before you turn 65. Your Initial Enrollment Period runs for seven months total, starting three months before your 65th birthday month and ending three months after. Signing up early matters. If you apply during those first three months, your coverage starts the month you turn 65, so you avoid a gap. Wait too long and you could face a lifelong late enrollment penalty and delayed coverage. If you already have job-based insurance, you might qualify for a Special Enrollment Period and can delay without penalty. In 2026, the standard Part B premium is $202.90 a month with a $283 deductible. Want help timing this right? Call us at 855-559-1700 and we'll walk through your situation.