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MEDICARE OPEN ENROLLMENT: OCTOBER 15 - DECEMBER 7

Open Enrollment is the yearly period when people can enroll in a health insurance plan. Open Enrollment runs from November 1, 2021 to January 15, 2022. For coverage beginning January 1, 2022 you must enroll by December 31, 2021.

Open Enrollment is the yearly period when people can enroll in a health insurance plan. Open Enrollment runs from November 1, 2021 to January 15, 2022. For coverage beginning January 1, 2022 you must enroll by December 31, 2021.

For anyone on Medicare:

I sort of pieced this together. You can use all of it or some of it.

Medicare open enrollment – also known as Medicare’s annual election period – runs from October 15 through December 7 each year.

During this annual window, Medicare plan enrollees can reevaluate their coverage – whether it’s Original Medicare with supplemental drug coverage, or Medicare Advantage – and make changes or purchase new policies if they want to do so.

During the Medicare open enrollment period, you can:

Switch from Original Medicare to Medicare Advantage (as long as you’re enrolled in both Medicare Part A and Part B, and you live in the Medicare Advantage plan’s service area).

Switch from Medicare Advantage to Original Medicare (plus a Medicare Part D plan, and possibly a Medigap plan).

Switch from one Medicare Advantage plan to another.

Switch from one Medicare Part D prescription drug plan to another.

Enroll in a Medicare Part D plan if you didn’t enroll when you were first eligible for Medicare. If you haven’t maintained other creditable coverage, a late-enrollment penalty may apply.

Prior to 2021, patients with end-stage renal disease were unable to enroll in Medicare Advantage plans unless there was a Medicare Special Needs plan available in their area for ESRD patients. But that changed as of 2021, under the terms of the 21st Century Cures Act. People with ESRD gained the option to enroll in Medicare Advantage as of 2021, and CMS expected more than 40,000 to do so. This can be particularly advantageous for beneficiaries with ESRD who are under age 65 and living in states that don’t guarantee access to Medigap plans for people under the age of 65.

Did you know?

During the Medicare Advantage open enrollment period (January 1 – March 31), Americans who are already enrolled in Medicare Advantage can:

Switch to Original Medicare (and enroll in a Part D plan; access to Medigap might require medical underwriting, depending on the circumstances.)

Switch to a different Medicare Advantage plan.

Only one plan change is allowed during this window (unlike the fall enrollment period, when a person can change their mind multiple times, with the last plan selection taking effect on January 1).