How and When to Enroll or Change Medicare Coverage
Automatic On Ramp
- You are drawing Social Security at least four (4) months before turning 65
- You will get a Medicare Card before your birthday month.
Annual Enrollment (October 15th – December 7th)
You can make the below changes to your Medicare Coverage:
- Medicare Advantage to Original Medicare
- Original Medicare to Medicare Advantage
- Current Medicare Advantage Plan to Another Medicare Advantage Plan
- Add or Change Part D (Prescription Drug) Plan
General Enrollment – (Medicare Advantage Enrollment /Disenrollment Period) January 1 – March 31st
Switch to another Medicare Advantage Plan
Special Enrollment Periods
Leave Job with Large Group Plan –
- Enroll within 8 months Parts A and B
- Enroll 2 months Part D
- Enroll Medigap within 63 Days so you do not have to answer health questions OR 6 months if Part B Enrollment was delayed until leaving job
Moved out of Medicare Advantage Service Area
- You have two (2) months you can move to a new Medicare Advantage Plan, Part D Plan, and Medigap Plan (with no questions)
Long Term Care – New Plan every month
Medicare/Medicaid
1st per quarter switch Medicare Advantage Plans but have to answer Medigap plan questions