Medicare Questions & Answers: Enrollment Periods

Enrollment Periods Q&A

Showing 17 questions

Answered by Chad Cason Medicare Insurance Agent

Chad Cason

Lifelong Insurance Agency • Madison, GA

If a senior is turning 65 but still working, should they enroll in Medicare or delay it?

If you have employer-based health insurance through your or a spouse's current employment, where there are more than 20 employees, and you're happy with the costs, such as monthly deductions/premiums and coverage, like potential out-of-pocket costs, you can delay Medicare enrollment without accruing penalties. If this is you, it's best to schedule a quick call so we can discuss your situation. Chad
Answered by Larry Dalton Medicare Insurance Agent

Larry Dalton

D&D Ins. Group, LLC • Durant, OK

I'm turning 65 soon, when can I enroll in Medicare?

You are guaranteed coverage with no underwriting evaluations starting three months before your 65th birthday month and continuing for three months after that month. I always advise people to start thinking about their Medicare coverage at least six months before they turn 65.
Answered by Melonie Wood Medicare Insurance Agent

Melonie Wood

American Senior Benefits • Westville, FL

What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?

If a person misses the Open Enrollment time frame that runs January 1st through March 31, then depending on where the member lives, they may be able to use a disaster SEP to change plans, if they are a veteran, they may be able to use the Veterans SEP; If they move, they can use the Move SEP and finally can call Medicare directly.
Answered by Larry Dalton Medicare Insurance Agent

Larry Dalton

D&D Ins. Group, LLC • Durant, OK

I'm confused about when I can change my Medicare plan. Can you clarify the different enrollment periods for me?

1. A Medicare supplemental plan may be changed to another Medicare supplement plan at any time of the year.

2. A Medicare supplemental plan can be changed to a Medicare Advantage plan between October 15 and December 7. However, this change will not take effect until January 1 of the following year.

3. Medicare Advantage plans can be changed to another Medicare Advantage plan once during open enrollment, which runs from January 1 to March 31.

4. Medicare Advantage plans can revert back to traditional Medicare with a supplement plan between January 1 and March 31. However, you may be without a drug plan for the remaining of the year.

5. Medicare Part D stand long prescription drug plans can only be changed between October 15 to December 7 and do not take affect until the following year of January one.

6. There are other special enrollment periods allow for case by case situations.
Answered by William Gray Medicare Insurance Agent

William Gray

The Medicare Dude Independent Broker • Hastings, FL

I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?

You can still enroll at 65. You will need to do this from the SSA website or by visitin your SSA office.

If you don't enroll at 65 and don't have coverage through a group plan you will be penalized 1% per month for each month you don't have coverage.

You will be billed by Medicare for your part B premium 3 months at a time.
Answered by Maureen McKenna Medicare Insurance Agent

Maureen McKenna

McKenna Medicare Solutions, a Bridlewood affiliate • San Diego, CA

I just moved to a new state. Do I need to do anything with my Medicare coverage?

Yes, you will have 60 days to make a change upon arrival into your new state. This will vary by the type of plan you are enrolled in. Consult with an agent to avoid any penalties and missing deadlines.
Answered by Brian Moore Medicare Insurance Agent

Brian Moore

Ohio Medicare Plan • Dayton, OH

Can I backdate my Medicare enrollment if I missed my initial window due to a medical emergency?

If you missed your initial Medicare enrollment window because of a medical emergency, I’m sorry you had to go through that—unfortunately, Medicare doesn’t typically allow backdating for missed deadlines unless you qualify for a Special Enrollment Period (SEP), like if you were hospitalized or incapacitated during your sign-up time. The rules are strict, but if you can show proof—like hospital records or a doctor’s note—explaining how the emergency prevented you from enrolling, you might appeal to CMS for a retroactive adjustment, though approvals are rare and case-by-case. Without that, you’d face a late penalty on Part B premiums—10% per year missed, added for life.
Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Clarence "Mark" Christiansen

Christiansen Insurance Services • Mequon, WI

I'm worried about choosing the wrong plan and being stuck with it. How often can I change my Medicare coverage?

Answered by Deborah Lee Medicare Insurance Agent

Deborah Lee

7 Rivers Senior Advisors • La Crosse, WI

Is Guaranteed Issue available after the Medicare Open Enrollment period ends?

They need to have an SEP Special enrollment after OEP such as moving out of the county their current plan is in.
Answered by Cynthia Nakaya Medicare Insurance Agent

Cynthia Nakaya

Licensed Agent • Jurupa Valley, CA

How does moving to a new state affect my Medicare enrollment timeline?

When you move out of a service area, whether from one county to another, or a different state, you must change plans if you have a Medicare Advantage (MA) or Prescription drug plan (PDP). The ability to change plans after a move falls under a Special Enrollment Period (SEP).

If you don't notify your plan before you move, you have the month you move and 2 months after (3 months total) to change plans. If you notify your plan before you move, you have the month before, the month of, and 2 months after (4 months total) to make a change.

Plans vary greatly by service area, so don't be surprised if you have different benefits, including maximum out-of-pocket, deductibles, co-pays, and co-insurance. Extra benefits may also differ from area to area.

Be advised that some counties with low populations don't have MA plans, so adding a supplement and a PDP may be your only option. Medicare Supplement SEPs are similar but exclude the month before a move. You can join a Medicare Supplement plan the month you move and up to 2 months after. Guaranteed issue is available ONLY if there is no MA plan available in your new service area.

Sound complicated? Contact me and I'll walk you through it.
Answered by Joseph Bachmeier Medicare Insurance Agent

Joseph Bachmeier

BGA Insurance Group • Conshohocken, PA

Why do so many seniors wait until the last minute to enroll in Medicare, and how can agents help prevent bad decisions?

When new Medicare prospects call me, I advise them to sign up for Medicare Part B two months before their start date, so it leaves plenty of time to generate a Medicare number and start date.
Answered by Tony Capraro III Medicare Insurance Agent

Tony Capraro III

State Farm • Manchester, NH

I thought I signed up for both Part A and B when I got my Social Security, but now I'm getting bills for Part B. Did I miss something during the enrollment period?

Part B has a deductible each year (increases a little each year-2025 is $257) and a 20% co-pay WITHOUT a maximum out of pocket! Have you looked into either a Medicare Supplement/Medigap OR Medicare Advantage Plan that can help with the Part B "out of pocket costs"?
Answered by Steven Bleicher Medicare Insurance Agent

Steven Bleicher

Independent Representative • Oro Valley, AZ

I missed my Medigap window by a few months and now no one will cover me without underwriting. Why isn't this rule more well known?

The first thing that comes to mind is that you probably did not meet with a long-time Medicare professional agent who knows the ins & outs of its very quirky rules. In my opinion, enrolling with Medicare yourself online means that you may be bypassing the rules concerning the different periods during the year when one can enroll AND make changes.

The only thing for you to do at this point is to enroll with a Medicare Advantage plan temporarily (you HAVE the right to do this at anytime since you've never enrolled before by picking up Medicare Part B with a monthly premium). Then, when the Open Enrollment begins on October 15th thru Dec. 7th (to become effective on Jan. 1st of the following year), you have what is known as "a trial right", meaning since you have your very 1st Medicare plan for less that 12 months, you will be able to apply for a Medigap (a.k.a., Med. Supp.) without having to answer any medical questions concerning pre-existing conditions.

Using any online information only yields the more well-known tenets of Medicare. The best advice I could ever give anyone regarding THE most important aspect of your life: HEALTH, is to be certain to get a 2nd & even 3rd opinion from an independent rep who is also known as a broker. However, in using a "Captive Agent": one who only has allegiance to one insurance firm, is foolhardy since all companies who offer Medicare-compliant Advantage plans can vary the rules to a certain extent. Though I truly hope that most agents are honest/reliable and can cover the gamut of the regulations, as an instructor myself, I will deliberately "over"-emphasize the more important areas/rules to all of my clients. Good luck and if needed, call 1-800-MEDICARE so that the person on the other end who's trained for this, confirms what a trial right means.
Answered by Larry Dalton Medicare Insurance Agent

Larry Dalton

D&D Ins. Group, LLC • Durant, OK

When is the best time of the year to start looking at Medicare options?

The best time to enroll in Medicare is during your Initial Enrollment Period (IEP), around your 65th birthday, or when you are coming off a Medicare-approved company group Insurance plan. After this period has elapsed, the next best time will depend upon your circumstances. For most of us already on Medicare, it would be between October 15 and December 7 of each year.
Answered by Bruce Kern Medicare Insurance Agent

Bruce Kern

Premier Benefit Services • Wayne, NJ

I changed my plan during Open Enrollment and now I can't see my regular specialist. Isn't this what the whole review period is supposed to prevent?

The agent should have checked all of her doctors before they switched their policy. The client should of been aware of all of the benefits the new policy afforded her.
Answered by Steve Brauer Medicare Insurance Agent

Steve Brauer

Variety Benefits • Scottsdale, AZ

Can I enroll in Medicare if I've never paid into Social Security due to working overseas?

Anyone legally in the United States can enroll into Medicare if they are at least 65 years old or if they have been deemed disabled for the last 24 months by a physician. Someone that has worked overseas and not paid into the system may have to pay a premium for Part A (Hospital coverage) of Medicare, that people who have paid into the system get it premium free.