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1
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When is Medicare Open Enrollment?
Medicare’s Annual Enrollment Period (AEP) runs October 15 – December 7.
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2
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What changes can I make during Medicare Open Enrollment?
You can:
- Switch from Original Medicare to a Medicare Advantage Plan (Part C).
- Switch from Medicare Advantage back to Original Medicare.
- Change Medicare Advantage or Part D (prescription drug) plans.
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3
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Can I change Medicare Supplement (Medigap) plans during Open Enrollment?
Medigap doesn’t follow the same rules as AEP — switching may require medical underwriting. It’s best to review options with an agent.
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4
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What if I miss Medicare Open Enrollment?
You may have to wait until the next enrollment period unless you qualify for a Special Enrollment Period.
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5
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Why should I review my Medicare coverage each year?
Prescription drug costs, provider networks, and plan benefits change annually — what worked last year may not be the best fit this year.
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6
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At what age can I enroll in Medicare?
Most people become eligible for Medicare when they turn 65, even if they’re still working.
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7
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Can I get Medicare before 65?
Yes, you may qualify earlier if you:
- Have received Social Security Disability benefits for 24 months.
- Have End-Stage Renal Disease (ESRD).
- Have Amyotrophic Lateral Sclerosis (ALS).
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8
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Do I have to sign up for Medicare at 65?
If you’re already receiving Social Security benefits, you’ll be enrolled automatically. If not, you must sign up during your Initial Enrollment Period (IEP) — a 7-month window that starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after.
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9
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What happens if I delay enrolling after 65?
You could face late enrollment penalties, unless you have qualifying coverage (like employer health insurance).
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10
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When is Open Enrollment for health insurance?
Open Enrollment for Affordable Care Act (ACA) marketplace health plans typically runs November 1 – January 15 (dates vary by state).
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11
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What happens if I miss Open Enrollment?
You may only enroll if you qualify for a Special Enrollment Period (life events like moving, losing coverage, or getting married).
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12
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Can I change my health insurance plan during Open Enrollment?
Yes, you can switch plans, update coverage, or add family members during this window.
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13
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How do I know which plan is right for me?
Compare monthly premiums, deductibles, copays, and provider networks. A licensed local agent (like Nichols & Associates) can help simplify the process.
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14
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Do I have to re-enroll every year?
If you don’t make changes, your current plan may auto-renew — but it’s smart to review because benefits and costs often change yearly.
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