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When Can I Enroll?

Turning 65?

You can enroll as early as three months before the month in which you turn 65, however your effective date of coverage will be the 1st of the month in which you turn 65.  If you turn 65 on the 1st of the month, you become eligible on the 1st of the prior month.

Enrolling 45 to 60 days prior to your birthday month allows enough time to set you up for coverage and for you to receive ID cards for your plan(s). Coverage cannot become active until your Medicare Parts A & B are in place.

Already 65 and Considering the Insurance Trust?

If you already turned 65 and previously selected another Medicare plan, and have never been enrolled in a plan with the Insurance Trust, you may enroll during the Annual Enrollment Period (October 15th through December 31st). You may also be eligible to enroll outside of annual enrollment if you experience a life event, such as the loss of other group coverage.

Over 65 and Still Working at Delta?

If you’re eligible for Medicare but continue to work for Delta, you should enroll before your retirement start date. You must enroll no later than the month your employer group health coverage ends or within eight months of separating from your employer, whichever is sooner.

Spouse turning or over 65?

Spouses age 65+ are eligible to enroll in the Insurance Trust Benefit Plans if they are enrolled in Medicare Parts A & B, regardless of the Delta employee or retiree’s age, employment, or enrollment status.

Former spouse?

Former spouses age 65+ are eligible to enroll in the Insurance Trust Benefit Plans if they are enrolled in Medicare Parts A & B, regardless of the Delta employee or retiree’s age, employment, or enrollment status.  If divorce occurs while enrolled, the former spouse will be moved to a new, individual certificate.