Additional Enrollment Periods
Didn't see an enrollment period that applies to your situation?
Do you have a unique situation that doesn’t fall under the other enrollment period categories? Check out the additional available enrollment periods below and see if one of them applies to you.
Missed Your Initial Enrollment Period?
If you didn’t sign up during your Initial Enrollment Period, and you’re not eligible for a Special Enrollment Period, don’t panic – you still have an opportunity to enroll in Parts A and B during the General Enrollment Period (GEP).
General Enrollment Period (GEP)
This enrollment period is from January 1 through March 31 of each year, and your coverage would start on July 1 of the same year.
During the General Enrollment period, you can enroll for Parts A and B; however, you must wait for the Annual Enrollment Period (AEP) in October to enroll in Parts C and D.
It’s important to understand that the GEP is not the ideal time for you to sign up for Original Medicare because you still risk facing late penalties and coverage gaps by enrolling during this period.
However, while it’s best to sign up for Medicare during your Initial Enrollment Period, we realize that sometimes things happen and it’s not possible. Therefore, the General Enrollment was created to help you secure the coverage that you need.
Worried that you'll miss your IEP? We can remind you.
Can I change my Medicare Advantage benefits once I enroll?
Medicare beneficiaries who enroll in a Medicare Advantage plan have an opportunity to make a one-time change to their benefits after enrolling during the Open Enrollment Period (OEP). Read below for more details.
Medicare Open Enrollment Period (OEP)
In January 2019, the Medicare Open Enrollment Period (OEP) returned and replaced the Medicare Disenrollment Period. Under Medicare OEP, Medicare beneficiaries can make a one-time change to their Medicare Advantage benefits from January 1st – March 31st. This change can only occur one time during the duration of their coverage.
During the OEP, there are two changes that you can make to your Medicare coverage. You can either switch from one Medicare Advantage plan to another Medicare Advantage plan, or you can disenroll from Medicare Advantage and return to Original Medicare, with or without Part D benefits.
Why did Medicare OEP come back?
Medicare OEP returned for two reasons. With the Medicare Advantage Disenrollment period, enrollees were only allowed to drop their Medicare Advantage plan and return to Original Medicare. They were not allowed to switch from one Medicare Advantage plan to another.
Additionally, OEP is being reinstated because it was recognized that, because Medicare Advantage plans can be complex, that many beneficiaries were making uninformed decisions when they selected their Medicare Advantage benefits, and then were stuck in a plan that they didn’t like and/or couldn’t afford for an entire year.
Medicare Advantage plans can be complicated, and, without thorough research or the assistance of a Medicare broker, it is easily to overlook important details, such as confirming that a specific doctor is in a plan’s network, or that a specific prescription drug is covered.
The OEP allows a beneficiary a one-time opportunity to rectify that mistake and switch to another plan that better meets their needs.
Need help with your Medicare enrollment? Give us a call or fill out a form below. We can explain when and how you’ll need to enroll to have the coverage you need, when you need it, without late penalties. Our consult is at no cost to you, we help because we care.