--When you first become eligible for Medicare during the period that starts three months before the month you turn age 65 and ends three months after the month you turn age 65. If you have Medicare because you are disabled, you can join three months before and after your 25^th month of getting cash disability benefits.

--The plan will tell you when your coverage will begin based on when during this period it received your request to enroll.

--Between November 15 and December 31 of each year. Your enrollment will be effective on January 1 of the following year.

Note: There is a special enrollment period for people who join Medicare MSA Plans sponsored by an employer or union group. This special enrollment period may be used during the employer’s or union’s open enrollment period or at any other time that the employer or union allows enrollment. Your enrollment will be effective no earlier than the first day of the month following your request to enroll.