You can change your Medicare plan during several enrollment periods. Annual Enrollment Period (AEP): Oct 15-Dec 7 each year. Medicare Advantage Open Enrollment Period: Jan 1-Mar 31 each year. Special Enrollment Periods: triggered by qualifying events. Medigap: guaranteed issue rights apply in certain situations.
Key Points
- Annual Enrollment Period (AEP): Oct 15-Dec 7 — change Medicare Advantage or Part D
- Medicare Advantage Open Enrollment: Jan 1-Mar 31 — switch MA plans or return to Original Medicare
- Special Enrollment Periods: triggered by qualifying events
- Medigap: guaranteed issue rights apply in certain situations
- Birthday rule states: switch Medigap plans without underwriting during your birthday month