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Medicare Advantage Enrollment Periods: When can I join or change plans?

medicare-advantage-enrollment-periods-when-can-i-join-switch-change-plans
05/19/2021
  • Medicare with Melissa

Initial Enrollment Period (IEP)

Your initial Medicare Advantage enrollment period is a 7-month period. It begins 3 months before you turn 65, it includes your birthday month, and it extends 3 months after your birthday. You can enroll in any Medicare insurance plan.

Medicare Advantage Open Enrollment Period (MAOEP)

The Medicare Advantage Open Enrollment Period runs every year from January 1 through March 31 and allows enrollees to either switch to Original Medicare or switch to a different Medicare Advantage plan.

DOWNLOAD OUR NEW MEDICARE ADVANTAGE EBOOK TODAY

Annual Enrollment Period (AEP)

  • This is sometimes called Open Enrollment. The Medicare Annual Enrollment Period is October 15 to December 7 every year. During AEP you can join, switch or drop a plan. For example, you can: 
  • Enroll in a Medicare Advantage (Part C) or Medicare prescription drug (Part D) plan.
  • Switch to a different Medicare Advantage or Medicare prescription drug plan.
  • Drop a Medicare Advantage plan and go back to Original Medicare (Parts A and B). Then you could also apply for a Medicare Supplement plan.
  • Replace a Medicare Advantage plan with a standalone Medicare prescription drug plan.
  • If you don’t make any changes during AEP, your current plan will automatically renew next year.

Special Enrollment Periods (SEP)

  • The Special Enrollment Period lets you enroll in Original Medicare outside of your IEP due to certain life changing events. For example, you might wait to enroll if you’re still working. Timing depends on when the life changing event happens. Examples include:
  • Loss of employment 
  • Retirement
  • Employer or group coverage ends
  • Move and your current plan will not cover you
  • Your current Medicare Advantage plan is no longer offered in your area
  • Qualifying for Medicaid
  • Being diagnosed with a severe or chronic condition

General Enrollment Period (GEP)

For those who miss the Initial Enrollment Period for Part B, there is a General Enrollment Period between January 1st through March 31st each year. Keep in mind, enrollment begins on January 1st for coverage that begins on July 1st.

Related Articles: Medicare Advantage Open Enrollment

Learn More: Can I Change My Medicare Advantage Plan If I Am Not Happy With It?

People Also Read: How do I Enroll in a Special Needs Plan?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.

-Melissa

Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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