What CAN You Do During Medicare AEP?

Each fall, Medicare beneficiaries have an opportunity to review and adjust their coverage. Knowing your options during the Annual Enrollment Period (AEP) can help you save money and avoid surprises.

When is Medicare AEP?

The Medicare Annual Enrollment Period (also called Medicare Open Enrollment) runs every year from October 15 through December 7. Any changes you make take effect on January 1 of the following year.

What You CAN Do During AEP

• Switch from Original Medicare to Medicare Advantage (Part C): If you currently have Parts A & B, you can move into a Medicare Advantage plan, which may include extra benefits.

• Switch from Medicare Advantage back to Original Medicare: You may disenroll from your MA plan and return to Original Medicare. This may also allow you to apply for a Medigap policy, though acceptance isn’t always guaranteed outside certain periods.

• Change from one Medicare Advantage plan to another: If your current plan’s coverage, costs, or provider network no longer fit your needs, AEP is your chance to find a better option.

• Enroll in, change, or drop a Medicare Part D plan: If your drug costs have increased or your prescriptions are no longer covered, you can review and update your plan. Even if satisfied, it’s smart to check annually — formularies often change.

• Switch from one Part D plan to another: Comparing premiums, deductibles, and pharmacy networks can help reduce out-of-pocket costs.

What You CAN’T Do During AEP

• Guarantee acceptance into a new Medigap plan unless you’re in a qualifying enrollment window.

• Change employer or union retiree coverage — those plans follow separate rules and timelines.

Why AEP Matters

The Medicare Annual Enrollment Period is your main chance to ensure your coverage matches your health and financial needs. Drug prices change, networks adjust, and health needs evolve. Spending just 30 minutes during AEP could save you hundreds in the coming year.

We’re Here to Help

Call 1-855-890-2583 to connect with an Education Specialist who can guide you through your Medicare AEP options and help you choose the right plan for your situation.