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Medicare Advantage 2020

Medicare Enrollment Periods

There are various times when you can enroll in Medicare, make changes to or disenroll from an existing Medicare Advantage plan. You can:

  • Enroll when you first become eligible for Medicare, called your Initial Enrollment Period (IEP).
  • Enroll during the Annual Election Period (AEP), which occurs October 15 to December 7 of every year.
  • Make changes to coverage during the Open Enrollment Period between January 1–March 31 each year.
  • Enroll when certain events happen in your life, like if you move or you lose other insurance coverage, called Special Enrollment Period (SEP).

Some additional times to enroll, make changes, or cancel may apply to you. Visit www.medicare.gov to learn more.

You can also call our licensed Medicare insurance agents at (866) 350-2715 (TTY 711) who can help guide you through the entire enrollment process.

Initial Enrollment Period (IEP)

If you are turning 65 or fall into one of the under 65 qualifications listed above, you are eligible to enroll in Medicare as part of the Initial Enrollment Period (IEP).

Your IEP begins three months before and ends three months after the month you turn 65, or receive your 25th disability check (for a total of a 7 month period).

Most likely, if you are already receiving Social Security benefits, you will be automatically enrolled in Medicare Part A and Part B. You will receive your Original Medicare benefits starting the first day of the month you turn 65. You may also enroll in a Medicare Advantage or Medicare Part D plan during your IEP. There may be a late enrollment penalty (LEP) if you do not enroll in Part D during your IEP.

Visit www.medicare.gov to find out when you’re eligible for Medicare.

Annual Election Period (AEP)

If you are eligible for Medicare and/or would like to enroll in, make changes to, or disenroll from a Medicare Advantage or Medicare Prescription Drug Plan, you may make such changes during the Annual Election Period (AEP), which runs from October 15 to December 7 of every year. Your benefits will begin on January 1 of the following year.

During the AEP, you can make changes to various aspects of your coverage.

  • You can switch from Original Medicare to Medicare Advantage, or vice versa.
  • You can also switch from one Medicare Advantage plan to another, or from one Medicare Part D (prescription drug) plan to another.
  • And if you didn’t enroll in a Medicare Part D plan when you were first eligible, you can do so during the general open enrollment, although a late enrollment penalty may apply.

Call our licensed Medicare agents at (866) 350-2715 (TTY 711) to learn more about our Memorial Hermann Advantage HMO plan.

Open Enrollment Period (OEP)

Between January 1 – March 31 each year, you have the opportunity to switch back to Original Medicare or change to a different Medicare Advantage Plan.  During this Medicare Advantage Open Enrollment Period (OEP), you can:

  • Switch to another Medicare Advantage Plan (with or without drug coverage), if you’re in a Medicare Advantage Plan (with or without drug coverage), 
  • Drop your current Medicare Advantage Plan and return to Original Medicare. You’ll also be able to join a Medicare Prescription Drug Plan. 

During this period, you will not be able to:

  • 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. 

Note that you can only make one change during this period.  Any changes you make will be effective the first of the month after the plan gets your request.   If you’re returning to Original Medicare and joining a drug plan, you don’t need to contact your Medicare Advantage Plan to disenroll.  The disenrollment will happen automatically when you join the drug plan. 

To learn more, visit www.medicare.gov.

Special Enrollment Period (SEP)

You may be able to enroll in, make changes to, or disenroll from a Medicare Advantage or Medicare Part D drug coverage if you qualify during a Special Enrollment Period (SEP). Below are some examples (but is not a comprehensive list) of Special Enrollment Periods:

  • I moved to a new address that is not in my plan’s service area.
  • I just moved back to the U.S. after living outside the country.
  • I am no longer eligible for Medicaid.

To learn more about whether you qualify under a special circumstance, visit www.medicare.gov.

You can also call our licensed Medicare insurance agents at (866) 350-2715 (TTY 711) to learn if you qualify for a special enrollment period.

Disenrollment Information

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