Am I eligible to join?
- Entitled to Medicare Part A
- And enrolled in Medicare Part B
- And live in our service area
For service area information, please use our Plan Finder tool.
Some plans have additional enrollment criteria that are specific to that plan–you can speak to one of our Sales Representatives to clarify what the criteria are or use our enrollment tool to get the criteria for the plan you are interested in. The Annual Enrollment Period is from October 15 - December 7, each year. Medicare Prescription Drug Benefit is only available to members of the Medicare Advantage plans with Prescription Drug Coverage (MA-PD plan).
If a beneficiary is already enrolled in a MA-PD plan, the enrollee must receive their Medicare Prescription Drug Benefit through this plan.
Making changes to your coverage after December 31
January 1 - March 31, if you’re in a Medicare Advantage Plan (Part C), you can leave your plan and switch to Original Medicare, or you can switch from 1 Medicare Advantage Plan/Medicare Prescription Drug Plan to another. Your coverage will begin the first day of the month after the plan gets your enrollment form.
During this period, you can’t do the following:
- Switch from Original Medicare to a Medicare Advantage Plan
- Join, switch, or drop a Medicare Medical Savings Account Plan
In most cases, you must stay enrolled for that calendar year starting the date your coverage begins. However, in certain situations, you may be able to join, switch, or drop a Medicare Advantage Plan at other times. Some of these situations, called Special Election Periods (SEPs), include:
- If you move out of your plan’s service area
- If you qualify for Extra Help
- If you live in an institution (like a nursing home)
Contact us to learn more about Special Enrollment Periods.
Who can enroll when it is not Open Enrollment?
You may qualify for an exception to the limited open enrollment window.
Some exceptions are:
- You are a newly eligible for Medicare, such as newly turning 65. You do not need to wait for Open Enrollment.
- You are eligible for both Medicare and Medicaid and, therefore, can enroll at any time during the year.
- You are eligible and have lost your prior prescription drug coverage which met the criteria of being "creditable coverage" per the Centers for Medicare and Medicaid Services (CMS) guidance.
- You have entered a long term care facility.
- A Special Enrollment Period (SEP) for a change in residence.