You generally may enroll in a Medicare Advantage plan during your Initial Enrollment Period as long as you do not have End-Stage Renal Disease (ESRD). You will need to select a Medicare Advantage plan where you live. Those with ESRD generally receive their hospital and medical insurance from the government’s Original Medicare program.
If you become eligible for Medicare under age 65 because of disability, you will receive a letter from Social Security saying when your Medicare coverage will begin. Social Security will automatically enroll you in Medicare Parts A and B. Your Medicare coverage typically starts 24 months after your disability benefits were approved.
Usually, you will be able to enroll in a Medicare Advantage plan at this time. When you turn age 65, you’ll be entitled to a second seven-month Initial Enrollment Period — this time based on your age instead of disability. You get to start over and choose to enroll in a Medicare Advantage plan available where you live.
Annual Enrollment Period
October 15 through December 7
Each year during the Annual Enrollment Period, you have the opportunity to review your existing Medicare coverage and, if you desire, change to a different Medicare Advantage plan offered by a Medicare-approved private insurer or switch to the government-administered Medicare Part A and Part B program.
You can use the Annual Enrollment Period to:
- Change your coverage from the government-administered Medicare Part A and Part B program to a Medicare Advantage plan.
- Switch from a Medicare Advantage plan to the government-administered Medicare program.
- Change from one Medicare Advantage plan to another.
- Enroll in a standalone Medicare Part D Prescription Drug Plan.
Open Enrollment Period
January 1 through March 31
If you’re enrolled in a Medicare Advantage plan, you can change Medicare Advantage plans during this time. You can also switch back to Medicare Part A and Part B and replace your Medicare Advantage prescription drug coverage with a standalone Medicare Part D Prescription Drug Plan.
Special Enrollment Period
Usually, you can enroll in or change a Medicare Advantage plan under special circumstances that involve changes resulting from life events or a loss of insurance coverage.
Here are some of the common circumstances that can trigger a Special Enrollment Period.
- Permanent relocation: If you are enrolled in a Medicare Advantage plan, and you move outside the plan’s service area, you are eligible to enroll in another Medicare Advantage plan or return to the government-administered Medicare Part A and Part B.
- Enroll in a five-star Medicare Advantage plan: If you are currently enrolled in a Medicare Advantage plan, generally, you can change to a five-star Medicare Advantage plan that serves the area where you live from December 8 through November 30. Y
- You can only use this Special Enrollment Period once during the time frame.
- Low Income: If you are dually enrolled in a Medicare Advantage plan and Medicaid, you may be able to enroll, disenroll, or switch to another Medicare Advantage plan once per quarter during the first three quarters of the year.
- Long-term care residency: If you reside in a nursing home, skilled nursing facility, rehabilitation facility, or another long-term facility, you may be eligible to enroll in a Medicare Advantage plan or change Medicare Advantage plans as frequently as once a month (although this frequency is not recommended).
- Loss of insurance coverage through no fault: If you are eligible for Medicare and deferred enrolling in Medicare Part B because you had insurance coverage through an employer or union-sponsored group health plan, you may be able to enroll in a Medicare Advantage plan when you sign-up for Medicare Part B.