Helping your clients post-Open Enrollment

The annual Open Enrollment Period (Oct. 15 – Dec. 7) for Medicare Advantage and prescription drug plans (Part D) has ended, but there still may be opportunities for people with Medicare to enroll in or switch their coverage. We’ve compiled several resources that outline several of these opportunities.

  • The Medicare Advantage Disenrollment Period (January 1 – February) provides an opportunity for those who are dissatisfied with their MA plan to leave Medicare Advantage and return to Original Medicare (with the option of picking up a Part D plan at the same time).
  • Special Enrollment Periods (SEPs) exist for both Medicare Advantage and Part D plans. Individuals usually qualify for SEPs based on a variety of special circumstances, including moving out of a plan’s service area, involuntary loss of current coverage (e.g., such a retirement), and remedying erroneous enrollment, among others.
  • Medicare beneficiaries with lower incomes who qualify for the Part D Low Income Subsidy (Extra Help) or any form of Medicaid also have a chance to change their drug coverage throughout the year.

Remember, too, that Medicare’s General Enrollment Period runs January 1 – March 31 and allows those who may have missed their Initial Enrollment Period, and do not qualify for a SEP, to join Parts A & B.

You can get a quick snapshot of all of the different enrollment periods for Medicare in our calendar.

Note: A Special Enrollment Period has been extended  through March 2018 for those affected by hurricanes in Puerto Rico and the U.S. Virgin Islands, and California residents affected by recent wildfires. Learn more from CMS.