Medicare Enrollment Periods
- ICEP (Initial Coverage Election Period)
Begins 3 months before you’re entitled to Medicare Part A and enrolled in Part B. It ends either the last day of the month before you’re entitled to Part A and enrolled in Part B or 3 months after the month of your 65th birthday. If you are under 65 and on SSID (Social Security Disability Insurance) you may apply for a Medicare Advantage plan the 25th month of receiving SSID.
- IEP (Initial Enrollment Period Part D)
Begins 3 months before your 65th birthday, your birthday month, and 3 months after your birthday.
Note: (What is the difference between Medicare IEP and ICEP?
- AEP (Annual Election Period)
AEP is October 15 to December 7 each year.
You can enroll, disenroll or change Medicare Advantage Plans and Prescription Drug Plans.
- GEP (General Election Period)
GEP is annually from January 1 to March 31.
You can enroll in Medicare Part B for the first time. If you enroll during this period (and it is after your Initial Enrollment Period), your coverage will begin on July 1, following your enrollment.
- MA-OEP (Medicare Advantage Plan Open Enrollment Period)
When you can use MA-OEP is from January 1 to March 31 and people choosing a Medicare Advantage Plan during their ICEP the month of entitlement to Part A and B through the last day of the third month of entitlement.
You can disenroll from a Medicare Advantage Plan with or without a prescription drug plan and return to Original Medicare. You can change your Medicare Advantage Plan, change Part D (change from a Medicare Advantage Plan to a Medicare Advantage Plan with a prescription drug plan or change from a Medicare Advantage Plan with a drug plan to a Medicare Advantage Plan without a drug plan.) (After disenrolling from a Medicare Advantage Plan with or without a drug plan you may enroll in a prescription drug plan.)
- SEP (Special Election Period)
1.You moved to a new address that isn’t in your plan’s service area.
- You moved to a new address that is still in your plan’s service area, but you have new plan options in your new location.
- You moved back to the U.S. after living outside the country.
- You just moved into, currently live in, or just moved out of an institution (like a skilled nursing facility or long-term care hospital.)
- You are released from jail.
(NOTE) If you have been diagnosed with a chronic condition you may apply for a SNP (Special Needs Plan) for that condition.
- Medicare Supplement Plans
- You have guaranteed issue for a Medicare Supplement (Medigap) Plan during your open enrollment period that starts 6 months after you turn 65 and are enrolled in Medicare Part B.
- Birthday Rule: If you already have Medigap insurance, you have 30 days of “open enrollment” following your birthday annually, when you may apply for a new Medigap policy without medical screening or a new waiting period. The new policy must have the same or lesser benefits as your old policy. To avoid confusion, the new law specifies which of the new Plans are equal to the old Plans.
- You can apply for a Medigap plan at any time other than your open enrollment period if you’re 65 years old and enrolled in Part B. You will have to go through underwriting unless you have a special election period.
- Trial Period: 1) If during you’re ICEP you selected a Medicare Advantage Plan you have 12 months to change to some Medigap Plans with guaranteed issue. 2) If you selected a Medigap Plan when you were first eligible for Medicare, and you would like to change to an Advantage Plan during Open Enrollment to try it, you have 12 months that you can switch back to your Medigap Plan with guaranteed issue.