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Already On Medicare

Please contact us for answers to your specific situation.

If You Are Already On Medicare…

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

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 specialist 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 to a Stand Alone Part D Prescription Drug plan. 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.

You will receive a new personal Open Enrollment period when turning 65. This means,  you’ll generally 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 a senior specialist for personal assistance!

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! Contact us today.

Important Dates to Remember

Avoid costly mistakes!
Decisions regarding your group coverage involve adhering to specific Medicare timelines to avoid Late Enrollment Penalties and unnecessary additional premiums.

  • Turning 63: For those with a higher net worth, contact your accountant and financial planner.
  • Turning 64: Start preparing for Medicare now to learn important timelines, coverage, costs & penalties.
  • Sept. 30: Annual Notice of Changes to your current plan mailed to beneficiaries. Contact your Senior Specialist to review these important changes.
  • Oct. 1 – 14: Pre 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
  • Quarterly: Medicaid and Extra Help Beneficiaries may have the option to make quarterly changes to their Medicare Advantage and Part D drug plans from Jan 1 – Sept 30th.
  • Yearly – Oct. 1: For many beneficiaries, this is the Lock in period for Medicare Advantage plans and Part D drug plans unless your situation qualifies you for a Special Election Period or you use the Open Enrollment period
  • 25th Month of Disability: Generally Eligible for Medicare Part A & Part B, Medicare Part C Advantage Plans and Medicare Part D Prescription Drug plans.
  • 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).

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

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