When you turn 65 - your Initial Enrollment Period During Medicare annual enrollment between January 1–March 31 each year When you lose employer sponsored group health coverage (8 months from end of employment or end of coverage, whichever occurs first) There is a penalty for signing up late – 10% for each full 12 month period past your initial enrollment deadline, but if you remain enrolled in your CSU plan as an active employee until you retire and then enroll, the penalty is waived.
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