• Florida Agent Jason Kirschner (941)740-0928
  • Jkirschner@McCunisFox.com




  • 65 in Florida

Medicare enrollment periods to enroll or adjust health coverage

Medicare agent broker
Medicare at age 65

contact info

Call a Medicare Professional

(941)740-0928

Email

Jkirschner@mccunisfox.com

Location

All of Southwest Florida
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Medicare enrollment periods

Medicare enrollment periods refer to specific times during the year when individuals can enroll in or make changes to Medicare coverage. There are several enrollment eligibility periods for different parts of Medicare.
  • Initial Enrollment Period (IEP). This is the 7-month period around your 65th birthday when you can enroll in Medicare for the first time. It includes the 3 months before your birthday, the month of your birthday, and the 3 months after your birthday.
  • Annual Enrollment Period (AEP): This is the period from October 15th to December 7th when you can make changes to your Medicare Advantage (Part C) or Medicare Prescription Drug (Part D) plan.
  • General Enrollment Period (GEP) also known as Open Enrollment (OEP): This is the period from January 1st to March 31st when you can enroll in Medicare Part A and/or Part B if you didn't enroll during your IEP.
  • Special Enrollment Period (SEP): This is a period outside of the regular enrollment periods when you can enroll in or make changes to your Medicare coverage due to certain life events, such as moving to a new area, losing employer-sponsored insurance, or becoming eligible for Medicaid.
It's important to note that special enrollment periods and Medicare eligibility requirements may change over time, so it's always a good idea to check with a licensed Florida Medicare agent for the most up-to-date information.
What can I do?

Sign up for a Medicare Advantage Plan and/or a Medicare drug plan.

When?

During the 7-month period that:
  • Starts 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65
If you join Your coverage begins
During one of the 3 months before you turn 65 The first day of the month you turn 65
During the month you turn 65 The first day of the month after you ask to join the plan
During one of the 3 months after you turn 65 The first day of the month after you ask to join the plan
What can I do?

Sign up for a Medicare Advantage Plan or a Medicare drug plan. Your Medicare coverage begins 24 months after you get Social Security or Railroad Retirement Board (RRB) disability benefits.

When?

During the 7-month period that:
  • Starts 3 months before your 25th month of getting Social Security or RRB disability benefits
  • Includes your 25th month of getting disability benefits
  • Ends 3 months after your 25th month of getting disability benefits
If you join Your coverage begins
During one of the 3 months before you first get Medicare The first day of your 25th month of entitlement to disability payments
During your 25th month of getting disability The first day of the month after you ask to join the plan
During one of the 3 months after your 25th month of getting disability The first day of the month after you ask to join the plan
What can I do?
  • Sign up for a Medicare Advantage Plan and/or a Medicare drug plan.
  • Switch from your current Medicare Advantage Plan or Medicare drug plan to another plan.
  • Drop a Medicare Advantage Plan or a Medicare drug plan completely.

When?

During the 7-month period that:
  • Starts 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65
If you join Your coverage begins
During one of the 3 months before you turn 65 The first day of the month you turn 65
During the month you turn 65 The first day of the month after you ask to join the plan
During one of the 3 months after you turn 65 The first day of the month after you ask to join the plan

What can I do?

Sign up for a Medicare drug plan.

When?

April 1-June 30

Your coverage will start July 1.
What can I do?

Sign up for a Medicare Advantage Plan (with or without drug coverage).

When?

April 1-June 30

Your coverage will start July 1.


Each year, eligible Floridians can make changes to your Medicare Advantage or Medicare drug coverage for the following year. There are 2 separate enrollment periods each year:
What can I do?
  • Change from Original Medicare to a Medicare Advantage Plan.
  • Change from a Medicare Advantage Plan back to Original Medicare.
  • Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
  • Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
  • Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage.
  • Join a Medicare drug plan.
  • Switch from one Medicare drug plan to another Medicare drug plan.
  • Drop your Medicare drug coverage completely.
When?

October 15-December 7

Your coverage will start January 1.
Enrollment Period

Medicare Advantage Open Enrollment Period

What can I do?

  • If you’re in a Medicare Advantage Plan (with or without drug coverage), you can switch to another Medicare Advantage Plan (with or without drug coverage).
  • You can drop your Medicare Advantage Plan and return to Original Medicare. You'll also be able to join a separate Medicare drug plan.
What can't I do?

  • Switch from Original Medicare to a Medicare Advantage Plan.
  • Join a Medicare drug plan if you're in Original Medicare.
  • Switch from one Medicare drug plan to another if you're in Original Medicare
Note
If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without a drug plan) within the first 3 months you have Medicare.

When?
January 1-March 31

Your coverage will start the first day of the month after you ask to join the plan.