Which of the following are Medicare enrollment periods?

• A. Initial Enrollment Period
• B. General Enrollment Period
• C. Special Enrollment Periods
• D. All of the above

Answer: (D)

Enrollment windows are the periods when you can sign up for Medicare without gaps in coverage. There are three kinds of these windows: the Initial Enrollment Period, the General Enrollment Period, and Special Enrollment Periods. The Initial Enrollment Period is a seven-month span around your 65th birthday (three months before, the birth month, and the following three months)—the time you’re most likely to enroll when you first become eligible. If you miss that window, you can enroll during the General Enrollment Period, which runs January 1 through March 31 each year, with coverage beginning July 1 after you enroll. Special Enrollment Periods are triggered by qualifying life events—such as losing other health coverage, moving, or other circumstances—that allow you to enroll outside the standard windows for a limited time without penalties.

Since all three represent valid enrollment windows, the correct choice is all of the above.