Cynthia is turning 65 on July 5. When can she submit an application for a Medicare Advantage or Prescription Drug plan?

Cynthia can submit an application for a Medicare Advantage or Prescription Drug plan during the time frame known as the Initial Enrollment Period, which spans three months before her birthday month, her birthday month itself, and three months after. Since she turns 65 on July 5, her Initial Enrollment Period starts on April 1 and ends on October 31. This period allows her to enroll in both Medicare Advantage and Prescription Drug plans, providing flexibility depending on her personal circumstances and needs.

Understanding the timeline is crucial as it ensures that she can take full advantage of her Medicare options as she approaches eligibility. The initial enrollment timeline includes the entire span from April through October, making it an ideal and straightforward way for individuals like Cynthia to navigate their Medicare choices.