Already on Medicare

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If You Are Already On Medicare..

Below are general answers to important questions.  Contact us for specific answers regarding your situation.

What are my options during AEP, the Annual Election Period (formally known as Open Enrollment)?

Starting Oct. 1 you will be able to view the benefits of other plans offered in your area.  You may make plan changes from Oct. 15 – Dec. 7 for an effective start date of Jan. 1 of the following year.

You will generally have 3 options to select from:

Option 1: In most cases your current plan will simply roll into the next year’s plan.  If you wish to keep your current plan, simply do nothing. However, to avoid unwanted and costly surprises, we suggest you speak with an informed senior advisor to ensure your best interests are met in the upcoming year.  Contact us!  We can help!

Option 2: Once you have reviewed your current plan as well as other plans offered in your area, you can change your Part D Prescription Drug plan or your Medicare Advantage plan.  This process can seem overwhelming but we’re happy to walk you through the process step by step! 

Option 3: You also have the opportunity to go back to Original Medicare and apply for a Medicare Supplement Plan A -N in addition to a Stand Alone Part D Prescription Drug plan. Depending on how long you have been enrolled in Medicare Part B, acceptance into a Medicare Supplement plan may be based on medical underwriting and you could be denied. Once enrolled however, Medicare Supplements are guaranteed renewable…meaning you cannot be cancelled based on your health status.  Medicare Supplement plans help to protect beneficiaries from long-term healthcare expenses.

Still have questions?  We have the answers! Give us a quick call.

I’m already on Medicare due to disability but now I’m also turning 65....

You will receive a new personal Open Enrollment period when turning 65.  This means, as long as you do not have End Stage Renal Disease, you’ll have new, expanded options available to you!  You may enroll into a Medicare Supplement, a Part D Prescription Drug plan or an All-in-One Medicare Advantage plan.  Talk with our Senior Advisors for personal assistance!

Are you currently on Medicaid, receiving Low Income Subsidy or gained or lost eligibility? Have you moved into or out of a Skilled Nursing Facility? Are you moving outside your plan’s service area? Do you feel you have chronic care conditions?

There are many things that can disrupt your health care plan but fortunately, many of those changes offer you a Special Election Period which will allow you to make health plan changes that better fit your current situation.  We can help guide you thought the process!

Important Dates to Remember

Avoid costly mistakes!  Contact us at age 64 to prepare for Medicare.

  • Sept. 30: Annual Notice of Changes to your current plan mailed to beneficiaries

  • Oct. 1 – 14Pre Annual Election Period.  This is your “First Look” opportunity to view next years’ plans

  • Oct. 15 – Dec. 7: Annual Election Period for Medicare Advantage and Part D Prescription plans

  • Dec. 8 – Feb. 14: Medicare Advantage Disenrollment Period

  • Feb. 15  – Oct. 1: Lock in period unless your situation qualifies you for a Special Election Period

  • Turning 65 – Generally Eligible for Medicare Part A & Part B, Medicare Part C Advantage Plans, Medicare Part D Prescription Drug Plans and Medicare Supplements (Medigap).

  • 25th month of disability - Generally Eligible for Medicare Part A & Part B, Medicare Part C Advantage Plans and Medicare Part D Prescription Drug plans

Based on your personal situation, you may have other enrollment options available.

25th day in your month of disability