Medicare Open Enrollment

For those turning 65 or suffering from a condition which qualifies them for Medicare benefits prior to that there are several periods of enrollment that are important. During these periods is when the recipient has the opportunity to add coverage, make changes to existing coverage or switch from Traditional Medicare to Medicare Advantage or other privately insured programs.

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Initial Enrollment Period

As you approach your 65th birthday, you are entering what is known as the initial enrollment period.

It is a window of time that begins three months prior to your 65th birthday, your birthday month and 3 months after your 65th birthday.

During that time you should enroll in either Traditional Medicare or consider a Medicare Advantage Plan or other option.

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Open Enrollment Period

  • From October 15th through December 7th each year is the Open Enrollment Period. During that time you have the opportunity to make changes in the way you receive your medical treatment for the coming year.
  • You may change from Traditional Medicare to a Medicare Advantage Plan or back again to Traditional Medicare.
  • You may add a Medigap plan, Part D Drug Plan or change any insurer based plan to another one with no penalty.
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    Open Enrollment for Medicare Advantage/ Medigap

    From January 1 through March 31 you may change from one Medicare Advantage or Medigap plan to another but NOT from Traditional Medicare to Medicare Advantage Plan. You may also add a Part D drug plan if you are part of Traditional Medicare.

    Special Enrollment Periods

    Medicare does provide special enrollment periods for individuals who have experienced life changing events. These may include a divorce, job loss, relocation to an aea not served by a former Medical Advantage plan and others. For complete information and other questions go to

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