Changing Medicare Plans

If you're eligible for Medicare when you turn 65, you can sign up and/or change any plan during your Initial Enrollment Period (IEP) which is the 7-month period that:

Begins 3 months before the month you turn 65.

Includes the month you turn 65.

Ends 3 months after the month you turn 65.

Cheerful senior couple doing online shopping through laptop and

Medicare Advantage Plans Any time during the 12-month Trial period after enrolling in your first Medicare Advantage Plan.

Annually during the Fall Open Enrollment (October 15 to December 7) to be effective the following January 1.

During Open Enrollment (January 1 to March 31) only if you have an existing Medicare Advantage Plan that you want to change to another Medicare Advantage Plan or Original Medicare with a Prescription Drug Plan and/or a Medicare Supplement Plan. The new plan becomes effective after the first of the next month after you elect the change.

Any time if your circumstances qualify you for a Special Enrollment Period (SEP). 

 

Prescription Drug Plans Annually during the Fall Open Enrollment (October 15 to December 7) to be effective the following January 1.

During Open Enrollment Period (OEP) (January 1 to March 31) only if you have an existing Medicare Advantage Plan that you want to change to another Medicare Advantage Plan or Original Medicare with a Prescription Drug Plan and/or a Medicare Supplement Plan. The new plan becomes effective after the first of the next month after you elect the change.

Any time if your circumstances qualify you for a Special Enrollment Period (SEP).

 

Medicare Supplement Plans - Anytime subject to Medical underwriting in states other than New York and Connecticut, where discrimination for pre-existing conditions, sex and age is banned by state regulations.

During your Initial Enrollment Period any Medicare Supplement Plan you select must accept you without any medical underwriting or discrimination for pre-existing conditions.