Enrollment Dates

Here are the dates you need to know when it comes to Medicare enrollment:

October 1

Time to start shopping. Because insurance companies can release information on plans for the next calendar year two weeks before open enrollment season, we recommend that you begin reviewing options for new coverage in early October.

October 15 – December 7

This is the Annual Election Period (AEP). During this time, you can:

  • Enroll in a Medicare Advantage plan for the first time
  • Change prescription drug plans
  • Change Medicare Advantage plans
  • Return to Original Medicare

Coverage for enrollment changes takes effect on January 1.

January 1 – March 31

This is the Medicare Advantage Open Enrollment Period (OEP). During this time, Medicare Advantage plan enrollees can disenroll from their Medicare Advantage plan and return to Original Medicare or enroll in a different Medicare Advantage plan. If you decide to go to Original Medicare, you will need to purchase a standalone Part D prescription drug plan to avoid a Part D late enrollment penalty.

Special Enrollment Times

Outside of AEP and OEP, there are exceptions that allow you to enroll in a prescription drug plan or Medicare Advantage plan any time during the year. This applies, if, for example:

  • You were enrolled in a plan and recently moved where that plan is not offered
  • You entered a nursing home
  • You are eligible for both Medicare and Medicaid
  • You have low income
  • You are disenrolling from an employer group health plan
  • You involuntarily lost creditable prescription drug coverage

For questions about whether or not you qualify under other special circumstances contact us.

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