What it is: Your first opportunity to enroll in a Medicare Advantage plan when you’re newly eligible.

Who it’s for: People who are newly eligible for Medicare and want Medicare Advantage (Part C).

When it happens: It’s tied to when you first have both Part A and Part B (the exact window can vary based on how and when your Part A and Part B start).

What you can do:

• Join a Medicare Advantage plan (often with drug coverage if it’s an MA-PD).

• Choose a plan that fits your doctors, hospitals, and prescriptions.

Big watch-out: You must have both Part A and Part B to enroll in Medicare Advantage. Plan availability depends on where you live, and networks and drug coverage rules can be very different from plan to plan—so it’s worth confirming your providers and prescriptions up front.