Our Medicare Blueprint

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If you're enrolling in Medicare for the first time, you have an Initial Enrollment Period that begins three months before and ends three months after you turn 65. It begins and ends one month earlier if your birthday is on the first of the month. 

During the Annual Election Period (AEP) you can add, drop or switch your Medicare coverage. The changes during this period will take effect on January 1st of the new year. 

A Special Election Period (SEP) is an opportunity to enroll/ change your plan outside of AEP due to a qualifying life event without a penalty. You generally have two months after the month the qualifying event occurs to make a switch. Examples of qualifying life events are moving, losing employer coverage, qualifying for Extra Help and/or Certain chronic diagnoses.

If you already have an advantage plan (aka Part C), you may enroll in another advantage plan or go back to Original Medicare during the Open Enrollment Period (OEP). You may only make one change within this period. 

Life Happens! If you've missed an enrollment period you can sign up between January 1- March 31 each year and your coverage starts the month after you sign up. Example: If you sign up January 19th, your coverage can begin starting February 1. Keep in mind you might pay a monthly late enrollment penalty, if you don’t qualify for a Special Enrollment Period.