When Can You Change Your Medicare Plan? Enrollment Periods Explained Simply

Many people do not realize Medicare only allows plan changes at certain times of the year.

Here is a simple breakdown.

Initial Enrollment Period

This is the seven month window around your 65th birthday.

Annual Enrollment Period

Runs from October 15 to December 7. This is when most people switch Medicare Advantage or drug plans.

Medicare Advantage Open Enrollment

From January 1 to March 31, people already on Medicare Advantage can change plans or return to Original Medicare.

Special Enrollment Periods

Life events like moving, losing employer coverage, or qualifying for Medicaid can trigger extra opportunities to change plans.

Why Reviews Matter Every Year

Plans change annually. Doctors leave networks. Drug prices change.

A quick yearly review helps avoid surprises.

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