You can make as many changes as you want between October 15 and December 7, but only the last change you make will take effect on January 1. If you choose a plan and realize that it is the wrong plan after the Annual Enrollment Period is over, in most cases, you will not be able to change your coverage until the next Annual Enrollment Period. For this reason, it is important to carefully consider all of your options and take the time to research each plan in order to make a decision that fits your health care needs.
However, if you have a Medicare Advantage Plan you can switch from your Medicare Advantage Plan to another Medicare Advantage Plan, or to Original Medicare with or without a stand-alone prescription drug plan (Part D), during the Medicare Advantage Open Enrollment Period (MA OEP). The MA OEP occurs each year from January 1 through March 31. You can only use this enrollment period if you have a Medicare Advantage Plan, Those with Original Medicare cannot enroll in a Medicare Advantage Plan or switch their Part D plan using this enrollment period. Changes made during this period take effect the first of the month following the month you enroll. For example, if you switch to a new Medicare Advantage Plan in February, your new coverage begins March 1. Unlike the Annual Enrollment Period, you can only make a single change during the MA OEP.
Under certain circumstances, you may be eligible for a Special Enrollment Period (SEP) in order to change your Medicare Advantage or Part D coverage. SEPs allow you to change your health and/or drug coverage outside normal enrollment periods. For example, if your Medicare Advantage Plan would leave your area or you would move out of your plan’s service area, you would receive a SEP to switch to another
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Return to: Medicare Part D
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