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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