It has been a very busy and rewarding Annual Election Period at Metrosurance, Inc. We want to thank all of our new and existing clients for choosing Metrosurance as their agency representative. We look forward to continuing to serve your insurance needs throughout the year.

While the 2016 Annual Election Period is over, it is important to keep in mind some other key Medicare enrollment periods:

  • Newly eligible for Medicare because you turn 65. This is your initial enrollment period. During the 7-month period that starts 3 months before the month you turn 65, and ending 3 months after the month you turn 65, you can sign up for a Medicare Advantage Plan or Prescription Drug Plan.
  • If you are considering a Medicare Supplement, your open enrollment lasts for 6 months. It starts 3 months prior to: the date you turn age 65, or are enrolled in Medicare Part B, and continues until 3 months after your 65th birthday or Medicare Part B effective date.
  • If you are eligible for SSI or RRB because you’re disabled, you’re automatically enrolled in Original Medicare Part A & Part B after you get Social Security (or Railroad Retirement Board) benefits for 24 months. Your 7-month enrollment period for a Medicare Advantage or Medicare Prescription Drug Plan starts 3 months before your 25th month of receiving SSI or RRB disability benefits, and ends 3 months after your 25th month of getting disability benefits. Your coverage will begin the first day of the month after you ask to join the plan.

In addition to these (3) key enrollment periods, please keep in mind the other enrollment periods which occur each year:

  • Medicare Annual Election Period:

    October 15 – December 7
    The Annual Election Period (AEP) is an annual open enrollment period for Medicare Advantage and Medicare Prescription Drug coverage. During AEP, you can switch from Original Medicare to a Medicare Advantage plan.

  • Medicare Advantage Disenrollment Period:

    January 1 – February 14

    If you are in a Medicare Advantage Plan, you can leave your plan and switch to Original Medicare during the Disenrollment Period. Your Original Medicare begins the first day of the following month. If you switch to Original Medicare during this period, you will have until February 14th to also join a Medicare Prescription Drug Plan. Your prescription drug coverage will begin the first day of the month after the plan receives your enrollment form.

  • Special Enrollment Periods:
    There are a number of Special Enrollment Periods that occur when certain events happen in your life, such as when you move, or you lose other insurance coverage. We will have more on Special Enrollment Periods in our January blog.

Please contact us should you have a life event that you feel may qualify you for a Special Enrollment Period.