Medicare Enrollment Periods
There are specific times when you can join, change, or drop a Medicare design. In other words, you are not allowed to enroll or disenroll whenever you want. here are the 5 Medicare registration periods :
1. Initial Coverage Election Period (ICEP)
This is when you first become eligible for Medicare, which for most people is when they turn 65. You may sign up for Medicare Parts A and B a well as a Medicare health plan :
- 3 months before your birthday month
- Your birthday month
- 3 months after your birthday month
This initial Coverage Election Period besides applies in the pursue scenarios, though with different registration time frames :
- If you’re newly eligible for Medicare because you have a disability and you’re younger than
65. Sign up for a Medicare Advantage plan during the 7-month period that starts 3 months before
your 25th month of getting Social Security or Railroad Retirement Board (RRB) disability
benefits, includes your 25th month of getting disability benefit, and ends 3 months after your
25th month of getting disability benefits.
- If you’re already eligible for Medicare because of a disability and you turn 65. Sign up for
Medicare Advantage during the 7 months surrounding your 65th birthday.
- You have Medicare Part A coverage, and you get Part B for the first time by enrolling during
the Part B General Enrollment Period (January 1 through March 31). Sign up for a Medicare
Advantage plan from April 1 through June 30. Coverage becomes effective July 1.
2. Annual Enrollment Period
This is a short window of time each fall when all Medicare beneficiaries can change or drop a Medicare Advantage plan or Part D prescription drug plan. For 2021 it ‘s October 15 through December 7. coverage changes are effective January 1.
During this meter you can :
- Change from Original Medicare to a Medicare Advantage plan
- Change from a Medicare Advantage plan back to Original Medicare
- Switch from one Medicare Advantage plan to another Medicare Advantage plan
- Switch from a Medicare Advantage plan that doesn’t offer drug coverage to a Medicare Advantage
plan that offers drug coverage
- Switch from a Medicare Advantage plan that offers drug coverage to a Medicare Advantage plan
that doesn’t offer drug coverage
- Join a Medicare Prescription Drug plan
- Switch from one Medicare Prescription Drug plan to another Medicare Prescription Drug plan
- Drop your Medicare prescription drug coverage completely
3. Medicare Advantage Open Enrollment Period
The MA OEP is an registration period that allows Medicare Advantage design enrollees to enroll in another MA plan or disenroll from their MA plan and return to Original Medicare. The MA OEP occurs per annum January 1 through March 31 .
During this time :
- If you’re in a Medicare Advantage plan (with or without drug coverage), you can switch to
another Medicare Advantage plan (with or without drug coverage).
- You can disenroll from your Medicare Advantage plan and return to Original Medicare. If you
choose to do so, you’ll be able to join a Medicare Prescription Drug plan.
During this time you ca n’t :
- Switch from Original Medicare to a Medicare Advantage plan
- Join a Medicare Prescription Drug plan if you’re in Original Medicare
- Switch from one Medicare Prescription Drug plan to another if you’re in Original Medicare
The Medicare Advantage Open Enrollment Period besides applies to you if you enrolled in a Medicare Advantage plan during your initial registration menstruation or initial Coverage Enrollment Period ( ICEP ) and it allows you to make one variety to another Medicare Advantage plan ( with or without drug coverage ) or go back to Original Medicare ( with or without drug coverage ) within the inaugural 3 months of your entitlement to Medicare Part A and B.
4. Special Enrollment Periods
particular Enrollment Periods are times when you can join, switch, or drop your Medicare coverage if you meet certain requirements. For exercise, you can enroll outside of the standard registration periods if you :
- Lose employer-sponsored or group coverage
- Move out of your plan’s service area
- Are also eligible for Medicaid
- Live in a nursing home
For a more detailed number of particular Enrollment Periods, check out the Medicare web site .
5. 5-Star Special Enrollment Period
The Centers for Medicare & Medicaid Services ( CMS ), the federal agency that oversees Medicare, measures health design choice on a scale of 1 to 5 stars ( a 5-Star rat is the highest ) to help you make an informed decisiveness about your coverage. You can switch to a 5-star plan once between December 8 and November 30 under these guidelines :
- You can only switch to a 5-star Medicare Prescription Drug plan if one is available in your area
- You may switch one time. (After you switch, your next opportunity to make a change is during the
Medicare Annual Enrollment Period.)
- Your current plan must be either Original Medicare (with or without a Medigap plan) or a
Medicare Advantage plan
NEXT: Medicare Star Quality Ratings
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