If you are one of the 67 million Americans over 65 who receive health coverage through MedicareThe open enrollment period is now in effect and it's the best time of year to make changes to your coverage. However, with a study of the 2021 open registration period Finding that 69% of respondents did not review their source of health insurance during that year's open enrollment period, it's likely you don't have a plan ready for the desired changes .
The open enrollment period extends to the end of each year, offering Medicare beneficiaries the greatest flexibility to change their plans, regardless of their current situation. This period lasts just under two months and any changes you make during this period will take effect in the new year.
Read on to learn the details you need to know to make changes to your Medicare plan, including at the end of open enrollment. To learn more about Medicare, find out if you need to register while working and see how much premiums have increased this year.
When is the Medicare open enrollment period?
This year's annual open enrollment period began on Tuesday, October 15 and lasts until Saturday, December 7. Any changes you make to your coverage during this period will take effect on January 1, 2025.
Who is eligible for Medicare open enrollment?
This year-end open enrollment period is open to anyone currently receiving Medicare, either through an original Medicare plan or a private Medicare Advantage plan. You can also use this period if, for some reason, you do not currently have a Medicare plan but are eligible for one.
The initial Medicare enrollment period begins three months before you turn 65 and lasts three months after the month you turn 65. If you miss this window, you'll need to take advantage of times like this open enrollment period to join.
How can you enroll in or change a Medicare plan during open enrollment?
To assist you in the process of reviewing the plans available to you, Medicare.gov includes a Compare plans in your area page. This tool will allow you to select the year you want coverage for – 2025 in the case of this open enrollment period – and enter your zip code to see what plans are available in your area.
Once you have compared and reviewed your options and chosen a plan that meets your needs, Medicare.gov has outlined three methods by which you can enroll in the plan:
- If you use Medicare's online search feature, you can select Enroll for the plan you want.
- You can also contact the company offering this plan directly, either by phone or by submitting a paper form by mail. If you're interested in a Medicare Advantage plan, you may also be able to contact the provider or its enrollment centers directly.
- You can also call 1-800-MEDICARE (800-633-4227) or 877-486-2048 for those using TTY machines to complete the registration process over the phone.
To find out more, here's when friends will be able to sign up for Affordable Care Act health insurance.
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