Are There Other Times I Can Enroll?

Once you’re enrolled in Medicare, your enrollment options may be different depending on the time of the year.

• Annual Enrollment Period (AEP) (From October 15 – December 7)
  AEP takes place at the same time each year. During this period, you can enroll, disenroll — or change your Medicare plans (Medicare Advantage, Medicare Supplement or prescription drug plan). You also have the option to return to Original Medicare. Elections made during AEP are effective on January 1 of the following year.

• Open Enrollment Period (OEP) (From January 1 – March 31)
  When you enroll in a Medicare plan, your new coverage starts on January 1 of the year following your enrollment. However, you have 3 months to change your coverage if you’re not happy with your plan. It’s called the Open Enrollment Period, and it lasts from January through March. You can choose a new plan and switch without any penalty during the Open Enrollment period. Good to know!

• “Lock-in Period” (From April 1 – October 14)
  Between April 1 and October 14, you cannot change coverage, unless you qualify for a Special Enrollment Period (SEP). If you do not qualify for an SEP, you’ll have to wait until AEP to elect new coverage.

• Special Enrollment Period (SEP) (Timing is dependent on your circumstances)
  During an SEP, you can enroll, disenroll or change your coverage because of personal circumstances. Reasons for qualifying for an SEP may include: you’ve moved, you became eligible for Medicare and Medicaid, you’re leaving your employer group health plan.

• Enrolling After 65?
  Learn what your options are.