Within Medicare, there are innumerable different options available. While it can be hard to wrap your head around Part A, B, C and D or the many Medigap plans, all these options exist for a reason. The goal is to make sure that every eligible American is able to get coverage that suits them and their needs. When you want to change your Medicare plan, you’ll usually need to make it in time for open enrollment. It’s important to know what time period is open enrollment over, and what recourse you have if you’ve missed it.
Is Open Enrollment Over?
The Medicare Open Enrollment period lasts from October 15 to December 7th, and changes you make during this period take effect on Jan 1 of the following year. As a result, open enrollment is already over for 2020. If you have some changes you’d like to make to your Medicare plan, your options will be limited until the annual period begins again in October.
While you might not have access to the open enrollment period, you may have other options available. If a significant change in your medical coverage is motivating your desire to change coverage, then you may qualify for a Special Enrollment Period. It’s also possible that the Medicare Advantage Open Enrollment isn’t over as you read this.
Medicare Advantage Open Enrollment
If you have or want Part C coverage from a marketplace plan, Medicare Advantage Open Enrollment may help you. This period is ongoing from January 1 to March 31, and coverage changes take place on the first day of the following month. At the time of writing, all beneficiaries may still take advantage of the Medicare Advantage open enrollment period.
This second enrollment period is more limited compared to the first but still constitutes an important option. If it’s not the solution you’re looking for, then you’ll either need to wait or look into special enrollment.
Open Enrollment for 2020-2021
New legislation has changed the open enrollment period for the end of 2021. Now, the national enrollment period will only endure from November 1 to December 15. This has drawn criticism for being an unprecedently short range in which beneficiaries will be able to change plans. However, this has motivated several state governments as well as the government of Washington, D.C. to mandate extended enrollment periods in their states. If you live in the following areas, you’ll enjoy an extended enrollment period;
- Massachusetts: November 1, 2020 – January 23, 2021
- New Jersey: November 1, 2020 – January 31, 2021
- Washington: November 1, 2020 – January 15, 2021
- Washington, D.C.: November 1, 2020 – January 31, 2021
- New York: November 1, 2020 – January 31, 2021
- Minnesota: November 1, 2020 – December 22, 2020
- California: November 1, 2020 – January 31, 2021
- Pennsylvania: November 1, 2020 – January 15, 2021
- Rhode Island: November 1, 2020 – January 23, 2021
- Colorado: November 1, 2020 – January 15, 2021
- Nevada: November 1, 2020 – January 15, 2021
Find the Answers to Your Medicare Questions
If you have more questions about Medicare open enrollment and the alternatives you might take advantage of, call the Medicare Health Experts. We’re a team of experts that pride ourselves on our subject matter expertise. Get in touch today, and we’ll answer all of your Medicare questions.