When can I enroll in Medicare Parts A and B?

SEP – Special Election Period

Medicare Advantage or Part D Prescription Drug Plan changes allowed all year, based on special events like a move, new to Medicaid or loss of Employer coverage.Example – If your birthday is in April, you’re eligible to enroll during January, February, March, April’s birth month, May, June, and July

OEP – Open Enrollment Period

January 1st through March 31st
Only Medicare Advantage plan-to-plan changes or return to Original Medicare with a Part D Prescription Drug Plan are allowed.

Original Medicare does not pay for everything. It pays 80% of Medicare eligible expenses, leaving you with 20% on an unlimited basis. Whereas most Employer plans and individual plans from the Marketplace are required to have an out-of-pocket maximum to be ACA compliant. A Medicare Supplement Insurance Plan (Medigap) does not include Part D Prescription Drug Plan. Further,

• You must have Medicare Parts A and B
• Plans are offered by private insurance companies
• Plan examples are G and N
• Medicare Supplement Insurance Plan (Medigap) picks up where Original Medicare leaves off.
• NO doctor networks — any certified Medicare doctor, anywhere
• No medical underwriting up to 6 months after enrolling in Part B
• Monthly premiums vary by county, state
• RX not included. Must obtain RX in a stand-alone Part D Prescription Drug Plan
• Plan popular with travelers or snowbirds because there are no networks.

Our services are at no charge to you. We are paid by the insurance companies. Our primary goal is to get the right medical plan for your needs with an insurance company that has a stable financial outlook.