Enrolling in Medigap

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What does Medicare Open Enrollment mean for you?

October 15, 2011 marked the start date for Medicare Open Enrollment. Contrary to popular belief, this does not affect every Medicare beneficiary. We’ve been getting some calls this week from people thinking that their window to enroll in a Medigap Plan started on the day of Medicare Open Enrollment. Fortunately, this is not the case and your time to enroll in Medicare Supplemental Insurance is actually more flexible than this.

During Medicare Open Enrollment, you can:

■ Switch from Original Medicare to a Medicare Advantage
Plan.
■ Switch from a Medicare Advantage Plan back to Original
Medicare.
■ Swap one Medicare Advantage Plan for another
Medicare Advantage Plan.
■Go from a Medicare Advantage Plan without prescription drug benefits to a Medicare Advantage Plan that does offer drug
coverage.
■ Switch from a Medicare Advantage Plan that offers drug
coverage to a Medicare Advantage Plan that doesn’t offer
drug coverage.
■ Sign up for a Medicare Part D and enroll in a specific Prescription Drug Plan.
■ Go from one Medicare Prescription Drug Plan to another
Medicare Prescription Drug Plan.
■ Drop your Medicare prescription drug coverage all together.

See the chart below for more information on what you can and can’t do during Medicare Open Enrollment.

Medicare Supplement Insurance enrollment actually can happen during any time of the year. There are certain periods when you qualify for guaranteed issue, but you can essentially apply for a Medigap policy at any time with the chance that you’ll be subjected to a waiting period.

To avoid penalties, every senior on Medicare should have a Medicare Prescription Drug Plan and enrollment for this type of plan does fall during Medicare Open Enrollment. For assistance with Medicare Part D, give us a call 877-413-1556.

To get more information about Medicare Supplement Insurance plans, talk to one of our Medigap plan representatives today or get a free quote today.