DelVal Senior Advisors helps seniors turning 65 throughout Pennsylvania and New Jersey understand Medicare enrollment and pick the right Medicare health insurance plan.
Initial Enrollment Period (IEP)
- This is the period for most people when they are first eligible for Medicare
- The period lasts 7 months (3 months before you turn 65, the month you turn 65 and 3 months after you turn 65
- If you sign up during the 3 months before you turn 65 your benefits begin on the first of the month you turn 65
General Enrollment Period
- This is the period when you can sign up for Part A and/or Part B if you did not sign up when first eligible
- The sign up period is Jan, Feb and Mar.
- Your coverage will begin July 1
Medigap Open Enrollment Period
- This period begins the first month you turn 65 AND are enrolled in Part B
- The period lasts six months.
- This period provides you a guaranteed right to buy any Medigap policy sold in your state regardless of your health status
Annual Enrollment Period (AEP)
- This is the period when a person can enroll or switch a Medicare Advantage and/or Part D prescription plan for the coming year.
- A person may also drop their MA or MA-PD plan and return to Original Medicare
- The period lasts from October 15 to December 7.
Annual Disenrollment Enrollment Period (ADEP)
- A person may drop their MA or MA-PD plan and return to Original Medicare
- Enroll in a Part D Prescription Drug plan if disenrolling MAPD plan
- Apply for a Medigap (Medicare Supplement) policy (medical underwriting may be required).
- The period lasts from January 1 to February 14
Special Election Period (SEP)
Note: these are just a few SEP scenarios
- You are losing your employer or union group coverage
- You enrolled in a MA or MA-PD plan when first eligible and want to return to Original Medicare within the first year
- You have moved out of an MA or MA-PD‘s service area.
- The period lasts from January 1 to December 31
Need Advice About What To Do?
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