Medicare Open Enrollment 2017 is right around the corner, but what is it? And, what does it mean to you? Medicare Open Enrollment, also known as Medicare’s Annual Election Period, runs each year from October 15th thru December 7th. Let us explain what you can and cannot do during this period.
During Open Enrollment Medicare, which runs from October 15 thru December 7, 2016, for a January 1, 2017 effective date, you can switch your Part D or Medicare Advantage plan. You never have to answer to fill out a medical questionnaire to be enrolled -the only two exceptions with Medicare Advantage are if you are currently in a Long Term Care Facility or if you have End Stage Renal Disease (these are the two cases you cannot enroll in an MA plan).
During Medicare Open Enrollment 2017 you cannot do the following:
Did you know that a Medicare Advantage plan or Part D can change their drug formularies each year. So, in 2016 your drug may be covered, but that same company in 2017 may not cover that drug, or they can charge more. As well as, your Medicare Advantage plan is not federally standardized like Medicare Supplement plans (Medigap), and therefore they can change their network of providers, change they way they cover a medical service, and/or drop additional benefits like dental, vision, and hearing.
Bottom line, you will want to look over your Medicare Advantage and Part D plans every Open Enrollment. We know it’s a bit more work, but if you don’t, you could end up spending a lot more money than you would need to. Good reason? We think so.
The answer is maybe. If you haven’t moved out of your provider’s area, or your company did not mislead you, then the only way to switch your drug or Medicare Advantage Plan outside of Open Enrollment is if you find a Medicare 5-star rated plan. The tricky part is 5-star rated plans are like unicorns, people talk about them, but they are rarely seen. If you would like help finding a 5-star plan call our licensed independent insurance agents at 800-930-7956.
Still want more information about open enrollment? Click the button below!
By Kristal on April 26, 2017
I'm trying to help get my uncle (& he's my boss) covered. He is diabetic and b4 BCBS cancelled his coverage-- he was paying $700+ out of pocket for his insulin! So...he is currently uninsured-- he turns 65 in Sept.2017; when can I enroll him in Medicare & a prescription plan? When will coverage start?
By IGino on March 29, 2017
When will the ED drugs be covered by Medicare, drugs like Viagra, Cealis etc.
By Brenda on March 28, 2017
I am on medicare disabiity-I turn 65 this month--Do I change my plan I want to leave Humana-and go on an advantage plan through Harbor When is the cut off date for disablity medicare-and can I change the the plan I am curently on?
By Valentina on February 11, 2017
My husband's birthday is on May 18th 1952. He will turn 65 on May 18th. He still is working and is planning to work at least until end of this year. We enroll him to Medicare Plan A on February 10th because he has health insurance at work. My husband in afraid that we did this very late because his co-worker said to him that he should do this 6 months before his birthday, is that true? Thank you, Valentina
By Jack Jordan on January 13, 2017
My wife turned 65 on January 1st, 2017. Can I still enroll her into medicare? Which is the best plan?
By Neil Luers on December 30, 2016
i neil, will turn 65 on march 11 2017 and my wife ,linda will turn 65 in april. linda will continue to work till april and she has full time benefits. is there a deadline to file for benefits?and what benefits do we usually need?
By John on December 05, 2016
My coverage through my spouse will end when she retires in August 2017. If I sign up now ( I'm already enrolled for part A and will be 70 in April) am I obliged to start coverage Jan.1 or can I wait until August when my current coverage ends? Or do I start a supplemental plan in August?
By Casaline on November 29, 2016
I'm being disenroll as a member from People Health Secure Health because my SSI and medicaid were dropped. What do I need to do now to get medicare coverage?
By Clarence Roberson on October 04, 2016
Do I have to sign up for a new plan for 2017 if I already have a PDP plan. I understand open enrollments start Oct.15 through Dec. 7 for January 1, 2017. I do not wish to change my pan.
By Janet on September 28, 2016
When are drug part d pricings available for 2017? ( Oep). Is any advantage plan as broad as plan F? Pays 100% of all Medicare covered charges..
By email@example.com on September 22, 2016
If I want to keep what I have, do I have to do anything?
By Marlene Halsey on September 13, 2016
I turn 65 in July of 2017, when should I sign up for Medicare and drug plans?
By John Mullen on September 12, 2016
How do change from a Medicare Advantage plan back to traditional Medicare? And, can you sign up for a Medicare Supplement plan outside the normal Medicare enrollment period?
By Pablo on March 24, 2016
I turn 65 in April. Do I need to wait until October to enroll in a drug plan?