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Did You Miss the AEP Deadline? Here’s What You Need to Know

Posted by Becky Swanson
Estimated Reading Time 1 minute 2 seconds

Did You Miss the AEP Deadline? Here’s What You Need to Know

The Medicare Annual Election Period (AEP) has come to an end, but what happens if you have missed it or if you change your mind about your Medicare plan after December 7? Fortunately, there are options for some Medicare beneficiaries to make changes early in the new year.

 

Medicare Advantage Open Enrollment Period (January 1 – March 31)

If you are enrolled in a Medicare Advantage (MA) plan, you can use the Medicare Advantage Open Enrollment Period (OEP) from January 1 to March 31 to:

  • Switch to a different Medicare Advantage plan.
  • Return to Original Medicare and select a standalone Part D (prescription drug) plan.

However, you cannot make changes to standalone Part D plans or enroll in Medicare Advantage for the first time during this period.

The OEP provides an opportunity to adjust your coverage if your current Medicare Advantage plan isn’t meeting your needs, whether due to unexpected costs, provider network issues, or a change in your healthcare needs.

 

Special Enrollment Periods for Original Medicare

If you’re not enrolled in Medicare Advantage and want to make changes to your Original Medicare plan, you must qualify for a Special Enrollment Period (SEP). Qualifying circumstances for an SEP include:

  • Moving out of your plan’s service area.
  • Losing employer-based health coverage.
  • Becoming eligible for Medicaid.
  • And certain other life changes

An SEP allows you to make changes outside of the AEP, ensuring you’re not stuck with a plan that no longer works for you due to life changes.

Becky Swanson
Dedicated Insurance Advisors // beckyswansoninsurance@gmail.com

My name is Rebecca Swanson, or you can call me Becky. As the Owner and Principal Agent of Dedicated Insurance Advisors aka Local Insurance Advisors, my sincere desire and goal is to provide every client with the utmost respect and the highest level of service possible. I currently live in Kansas City, Missouri with my husband, and am also a proud mother of one daughter. My priorities are God first, family, and country.

As a seasoned professional, my business is Life and Health insurance solutions for all. Medicare is a specialty of mine, as my passion is helping aging adults and those with disabilities to understand and navigate the complexities of Medicare. I make it my business to simplify the process and options available within the Medicare program and walk people through each step to begin their Medicare journey and each day forward.

My professional and personal history has helped me to become the person I am today, and I never stop learning. Prior to transitioning into the insurance field back in 2015, I spent about 30 years as a real estate professional mostly as a Realtor, but also as a mortgage loan officer and escrow officer. Prior to real estate, I spent about 10 years in higher education administration, and then also about 5 years in the IT industry. Please, do not add up the years, as they have flown by so quickly.

I consider all my work history as service. Service to each and everyone I have had contact with and the opportunity to be of assistance in whatever capacity my skillset was able to provide. Please know, it is my desire to help you too. I am proud of the group of amazing professionals here at Local Insurance Advisors, as I know each one of us shares the same goal.

Please know that either myself or someone from my amazing Team of Agents will be careful to give you the time needed to ensure we take care of all your insurance coverage needs and provide the highest level of customer service starting with our first conversation to build a lasting relationship. Our business is, protecting you.

  • MO License #8439526
  • 6132 N Chelsea Ave.
    Kansas City, MO 64119

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