Initial enrollment for Medicare Parts A & B
The initial enrollment period spans 7 months,
beginning 3 months before you turn 65 and ending the 3rd month after you turn 65.
If you enroll in the first 3 months, coverage will start on the first day of your birth month.
If you enroll during your birth month, coverage begins one month later.
If you enroll one month after you turn 65, coverage begins 2 months after you enroll.
Who can enroll? Anyone turning 65 or who is under 65 and qualifies on the basis of disability or other special situation.
Annual enrollment for a Medicare Advantage Plan/PDP
The annual Medicare Open Enrollment period is
Oct 15-Dec 7.
Who can enroll? Anyone who missed their initial enrollment period and any current Medicare subscriber who wants to switch plans.
Reasons to switch plans:
You want to change from Original Medicare (Parts A & B) to a Medicare Advantage plan (Part C).
You want to switch from
one Medicare Advantage plan to another.
You want to join a Medicare prescription drug plan (Part D) or switch to a Medicare Advantage plan that includes prescription drug coverage.
Open enrollment for a Medicare Supplement Plan
Open enrollment for a Medicare Supplement or "Medigap" Plan lasts for 6 months beginning the month you turn 65 and are enrolled in Medicare Part B.
During open enrollment, you have a
to purchase any Supplement policy a company sells.
This means you can buy any Medigap policy sold in your state at the price for people of good health, regardless of your health condition.
What if I miss open enrollment? You can apply for a Medigap policy outside open enrollment, but the private insurer will have the right not to sell you a plan.
Can I switch plans? Insurers do not always allow you to switch plans. However, if you pass underwriting and can save money, you can switch anytime you like.