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Enrollment Periods for Medicare Advantage/Part D

These enrollment periods apply only to Original Medicare, Medicare Advantage plans and Medicare-approved prescription drug plans. With Medicare Supplement insurance policies, you can enroll at any time, but the best time is during your Initial Enrollment Period.

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  • Initial Enrollment Period
    • The Initial Enrollment Period (IEP) is the time during which a person who is newly eligible for Medicare may make an initial enrollment request to enroll in Original Medicare, a Medicare Advantage (MA) plan or a Medicare Prescription Drug plan.
    • For most people, the IEP is the seven-month period that begins three months before you turn 65, includes the month you turn 65, and ends three months after the month you turn 65.
    • If you’re disabled and have been receiving disability benefits for 24 months, you’ll automatically get Parts A and B beginning on the first day of the 25th month of disability. If you’re not receiving disability benefits, you may enroll during the three-month period prior to the 25th month of disability, the 25th month of disability, and the three-month period after the 25th month.
    • If you don’t enroll in Part B when you’re first eligible, you can enroll between January 1 and March 31 each year, during the General Enrollment Period. However, you may have to pay a late enrollment penalty unless you qualify for a Special Enrollment Period (SEP).
    • If you delay enrolling in Part B because you have group health coverage based on current employment, you’re entitled to an SEP at any time during which you may enroll in Part B. You may also enroll in Part B during an eight-month SEP beginning the month after your employment ends or the group health coverage ends, whichever happens first, and will usually not have to pay a late enrollment penalty.
    • For Part D coverage, if you join after your IEP, the government may charge you a late enrollment penalty. This penalty may be waived if you can show you had prescription drug coverage that was as good as or better than Medicare Part D coverage.

    Plan Satisfaction

    Beneficiaries who enroll in a Florida Blue Medicare Advantage (MA) plan during the IEP can disenroll at any time within the first 12 months of coverage and return to Original Medicare and enroll in a prescription drug plan. This also allows you to apply for a Medicare Supplement insurance policy.

    Additionally, the Medicare Advantage Disenrollment Period (MADP) runs January 1 to February 14 each year and allows you to disenroll from a Medicare Advantage (MA) plan and choose Original Medicare (and, if you wish, a Medicare Prescription Drug plan).

  • Annual Enrollment Period October 15 – December 7

    The Annual Enrollment Period (AEP) is the time each year when you can choose which kind of Medicare coverage you want to enroll in effective January 1 of the following year.

    For example, if you want to change Medicare Advantage (MA) plans because your needs have changed, or if you decide to change from a Medicare Advantage (MA) plan to Original Medicare with a Medicare Supplement insurance plan, you may do so during the AEP. Coverage takes effect on January 1 of the following year.

  • Special Enrollment Period

    There are a number of circumstances under which an individual is eligible for a Special Enrollment Period (SEP), such as:

    • If you have both Medicare and Medicaid
    • If you have recently moved to a new area or your current plan was terminated
    • If you lose coverage through an employment-based group health plan

    To find out if you’re eligible for a SEP, contact us at 1-855-601-9465 (TTY users dial 1-800-955-8770).

Medicare beneficiaries may also enroll in BlueMedicare HMO, BlueMedicare Preferred HMO, BlueMedicare PPO, BlueMedicare Regional PPO and Blue Medicare Rx (PDP) through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov. Florida Blue is a PPO, RPPO and Rx (PDP) Plan with a Medicare contract. Florida Blue HMO and Florida Blue Preferred HMO are HMO Plans with a Medicare contract. Enrollment in Florida Blue, Florida Blue HMO or Florida Blue Preferred HMO depends on contract renewal.

For assistance, current members should call our Member Services number at 1-800-926-6565. If you are not a Florida Blue Medicare member, please call 1-855-601-9465. Hours are 8 a.m. - 8 p.m. local time, seven days a week from October 1 to February 14, except for Thanksgiving and Christmas. From February 15th to September 30th, we are open Monday - Friday, 8 a.m. - 8 p.m., local time.

Medicare Supplement insurance Policies are not connected with or endorsed by the U.S. Government or the Federal Medicare Program.These policies have limitations and exclusions.

Florida Blue is a trade name of Blue Cross and Blue Shield of Florida, Inc., an Independent Licensee of the Blue Cross and Blue Shield Association.

FBM EMPA 001  092016

 

 

 


Last Updated: 12.21.2016
Y0011_33313 1016 CMS Approved

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