Medicare Annual Election Period

The 2010 Medicare Annual Election Period (AEP)

What is the Medicare Annual Election Period (AEP) open enrollment?

Medicare Annual Election Period (AEP) or Open Enrollment is the time of year in which you can enroll in Medicare or switch plans. The Annual Election Period/Open Enrollment period begins on November 15 and ends on December 31 of each calendar year. . (There are a few conditions that will allow you to enroll in a plan prior to November 15. If you are eligible, you will have received information in the mail outlining your open enrollment period.)

If I enroll during this time, when does my coverage begin?

If you enroll between November 15 and December 31 your Medicare coverage will begin on the following January 1 and will continue for the entire year.

Is there any other enrollment time?

You may initially enroll in a Medicare plan any time from 3 months before to 3 months after your 65th birthday. For example, if you turn 65 years old on June 4, you may enroll in a Part D plan anytime between March 4 and Sept 4.

What if I have been dropped from my employer retiree plan?

For years, many retirees did not have to enroll in an individual Medicare plan, as employers have provided health benefits to their retirees. However, each year millions of older Americans are dropped from their employer retiree health plans, and now must enroll in an individual Medicare plan. If you have been dropped from your employer retiree plan, Medicare gives you additional time to select a new Medicare plan. You can enroll in a Medicare plan from October 1^st through December 31^st.

What if I have been dropped from a Medicare Advantage Private Fee-For-Service (PFFS)?

Many insurance companies that offer PFFS plans have decided to cancel their Medicare PFFS insurance coverage for the 2010 year. This means that many Medicare beneficiaries that are currently enrolled in Medicare PFFS plans will need to change their plan by enrolling in a new Medicare plan during the open enrollment period. You may enroll in another plan with that same company or choose a plan from one of the other companies in your area. If your plan has been dropped, Medicare gives you additional time to select a new Medicare plan. You can enroll in a Medicare plan from October 1^st through December 31^st.

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