Enrollment Periods

You must wait for a suitable Medicare Advantage enrollment period to enroll in a Part C plan. An election period is the narrow window of opportunity you have a chance to enroll in or change your Medicare Advantage plan.

Medicare Advantage Enrollment Periods

There are three windows of opportunity to enroll in a Medicare Advantage plan.

Initial Coverage Election Period
Annual Election Period
Medicare Advantage Open Enrollment Period

Your Initial Coverage Election Period

Your Initial Coverage Election Period happens when you first become eligible for Original Medicare. It starts three months before your 65th birthday, includes the month you turn 65, and ends three months after that. This election period can also happen after receiving Social Security benefits for 24 months minimum.

The window of opportunity is the same seven months, but instead of revolving around your birth month, the month of your official eligibility is in the center.

The Annual Election Period

Once you've enrolled in Medicare, you may make changes to your plan selections during the Annual Election Period.. For all qualifying beneficiaries, the AEP starts October 15 and lasts through December 7. Your benefits will kick in on January 1 of the following year.

The Medicare Advantage Open Enrollment Period

If you are enrolled in a Medicare Advantage plan you may make one change during the Medicare Advantage Open Enrollment Period, which occurs each year between January 1 and March 31.

During this window, you can switch to Original Medicare and enroll in a Medicare Part D prescription drug plan. You can also switch from one Medicare Advantage plan to another.

Special Election Periods

Unless you qualify for a Special Election Period, you can’t enroll in Medicare Advantage outside one of the three above enrollment windows. There are certain qualifying life events that you must experience to get approved for this SEP. Some of those include (but are certainly not limited to):

Losing Medicaid eligibility
Becoming eligible for Medicaid
Moving into an institution
Qualifying for the Extra Help prescription drug program
Moving to a new zip code that your Medicare Advantage Plan does not service

Learn more about Medicare Advantage plans here and Part D plans here.

If you are not sure about your enrollment eligibility, please submit your zip code to begin comparing Medigap, Medicare Advantage, and Part D Prescription Drug options.

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Disclaimer:

Medicare-2022.org is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on Medicare-2022.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.

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