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MEDICARE ANSWERS

When can you Enroll in Medicare or Medicare Advantage?

You can enroll in Medicare or Medicare Advantage during specific enrollment periods. Here are the main enrollment periods:

The first period in which you can enroll is the Initial Enrollment period or IED. This is a total of 7-months, 3 months before the month of your birthday and 3 months after your birthday, when you can enroll in Part B (Medical).

Initial Enrollment Period (IEP): The Initial Enrollment Period is the first opportunity for most people to enroll in Medicare. It generally starts three months before your 65th birthday (or the 25th month of receiving Social Security Disability benefits) and lasts for seven months. During this period, you can enroll in Medicare Part A and/or Part B, as well as choose a Medicare Advantage (Part C) plan and a Medicare Prescription Drug (Part D) plan.

Annual Enrollment Period (AEP): The Annual Enrollment Period, also known as the Fall Open Enrollment, occurs each year from October 15 to December 7. During this period, you can make changes to your Medicare coverage. You can switch from Original Medicare to a Medicare Advantage plan, switch from one Medicare Advantage plan to another, join a Medicare Prescription Drug plan, or switch from one Prescription Drug plan to another.

Medicare Advantage Open Enrollment Period (MA OEP): The Medicare Advantage Open Enrollment Period takes place from January 1 to March 31 each year. During this period, individuals who are already enrolled in a Medicare Advantage plan can make certain changes. You can switch to a different Medicare Advantage plan, switch from a Medicare Advantage plan back to Original Medicare, or join a standalone Medicare Prescription Drug Plan (if you are switching from a Medicare Advantage plan that doesn't include drug coverage).

Special Enrollment Period (SEP): Special Enrollment Periods are available for certain qualifying circumstances. Some common examples include:

  • Moving out of your plan's service area.
  • Losing employer or union coverage.
  • Qualifying for Extra Help (Low-Income Subsidy) for prescription drug costs.
  • Being eligible for both Medicare and Medicaid.
  • Having a 5-star Medicare Advantage plan available in your area.
  • During a Special Enrollment Period, you can make changes to your Medicare coverage outside of the standard enrollment periods.

The next enrollment period is the Special Enrollment Period (SEP). Any person who is qualified for Part B (Medical) based on age but has postponed enrolling because they are currently covered by their own or their spouse's corporate health plan is considered to be in the Special Enrollment Period (SEP).

Beneficiaries have the option to enroll in Part B at any time while still receiving health insurance coverage, or within eight months after terminating their employment or the group plan, whichever comes first.

MedHelpCenter.us recommends that you call the Senior Health Insurance Agency at 813-592-8568 for further help and explanation.

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