Initial Enrollment Period (IEP)
Three months before you turn 65
The month you turn 65
Three months after you turn 65
Pre-Enrollment Period – Oct. 1 – Oct. 14
During this period, people eligible for Medicare can find out about what products will be offered during the Annual Election Period.
Annual Election Period (AEP) – Oct. 15 – Dec. 7
Also known as Open Enrollment. From Oct. 15 to Dec. 7, you can enroll in a Medicare Advantage or Prescription Drug plan for the next calendar year.
Annual Disenrollment Period – (ADP) Jan. 1 – Feb. 14
During this time, people who have a Medicare Advantage plan can disenroll and return to Original Medicare. They may then also enroll in a stand-alone prescription drug plan if they choose. However, they can’t select another Medicare Advantage plan at this time.
Feb. 15 – Oct. 14
Generally, you can only make changes if you qualify for a special exception.You can purchase a Medicare Supplement plan any time during the year, although some restrictions may apply outside of the Medicare Supplement Open Enrollment Period.
Medicare Supplement Open Enrollment Period
It starts on the first day of the month in which you turn age 65 or with your Part B effective date. You must be enrolled in both Medicare Parts A and B to be eligible.
Medicare Supplement Open Enrollment Period lasts for six months. The best time to purchase a Medicare Supplement plan is during the Open Enrollment Period. Some states have additional open enrollment periods including those for people under 65. There are also several situations that may guarantee a Medicare Supplement plan is available to you if certain criteria are met. During these periods, an insurance company can’t use medical underwriting.
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