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Ever wish you could have a "do-over"??  Well, now you can!


If you are enrolled in a Medicare Advantage plan, you will have a one-time opportunity to make a change from January 1 - March 31 of 2019.  During this Open Enrollment Period (or OEP) - or grace period - you can do the following:


  • Switch to a different Medicare Advantage plan

  • Drop your Medicare Advantage plan and return to Original Medicare, Part A and Part B

  • Sign up for a stand-alone Medicare Part D Prescription Drug Plan (if you return to Original Medicare). Most Medicare Advantage plans include prescription drug coverage already. Usually you can’t enroll in a stand-alone Medicare Prescription Drug plan if you already have a Medicare Advantage plan, but there are some situations where you can. 


Why would you want to switch plans?


Although Medicare Advantage plans have certain benefits you can always count on, these extra benefits can change from year to year.  For example, suppose you take certain medications and you have a Medicare Advantage Prescription Drug plan. Your plan might cover your prescriptions. But sometimes a plan changes its formulary (list of covered medications).

Every fall, your plan will send you an Annual Notice of Change. Pay attention to this, because it lists any changes to your benefits or plan rules. A plan formulary may change at any time. You will receive notice from your plan when necessary.


Please keep in mind if you drop your Medicare Advantage plan, you will need to enroll in a    Medicare Prescription Drug Plan.

During this time, only one switch is made available to you. To avoid buying a plan that you may not like when it goes into effect, change your plan during the AEP period from October 15-December 7. Then, if you don’t like it, you can change your plan once during the OEP period.

the return of oep

November 13, 2018

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