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We are currently in the last month of the Medicare Advantage (MA) Open Enrollment Period.  This enrollment period ends on the March 31st.  This is a crucial time for any client who is in a MA because it the last chance to make changes to their coverage until the Annual Enrollment Period (AEP) in October.  Any client who is currently enrolled in a MA plan (one with or without drug coverage) can change to a different MA or elect to go back to Original Medicare and pick up a new Part D coverage.  If a client elects to stay in their current plan then that will be health coverage for the remainder of the calendar year.  It is also important to note that if a client chooses to return to Original Medicare they will have to medically qualify for a Medicare Supplement if they are outside of the Initial Enrollment Period (IEP).  IEP is 3 months before and after their Medicare Part B date.  Since they have to medically qualify for a Supplement it is imperative to have the client approved on a Medicare Supplement before disenrolling them from their current MA.  Once a client is disenrolled from the MA during this open enrollment period they can not return to a MA until AEP.

All of these separate enrollment periods can be confusing.  For further clarification or any follow up questions please don’t hesitate to contact Stockett and Associates.