Open Enrollment / Annual Election Period

Your Open Enrollment / Annual Election Period for 2019
Coverage Runs from October 15th – December 7th, 2018

 

Initial Enrollment Period

 

You can first sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

If you sign up for Part A and/or Part B during the first 3 months of your Initial Enrollment Period, in most cases, your coverage starts the first day of your birthday month.

However, if your birthday is on the first day of the month, your coverage will start the first day of the prior month.  If you enroll in Part A and/or Part B the month you turn 65 or during the last 3 months of your Initial Enrollment Period, the start date for your Medicare  coverage will be delayed. 

 

(source: The Official US Government Medicare Handbook)

 

Understanding Medicare Selection Options

 

ARTICLE: Why Missing the Medicare Deadline is Critical!

If you’re enrolling in Medicare, don’t miss this deadline.  You get an initial six-month period when you are guaranteed coverage by a Medigap policy.  After that window, you typically must go through medical underwriting, which could result in paying more or being denied coverage.  Make sure you understand what each policy covers so you can choose wisely.  (Source: CNBC Online)

Mike R.
Senior Insurance Agent

Questions about Open Enrollment or Annual Election Period? Ask Us!

Kim A-C.
Senior Insurance Agent