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Medicare - Election Periods

Medicare Elections Periods


1)  Initial Coverage Election Period (ICEP) and Initial Election Period (IEP)
ICEP and IEP occur when you first become eligible for Medicare, whether it’s due to turning 65 or a qualifying disability. You can enroll in an Medicare Supplement or Medicare health plan or Prescription Drug plan. Those already enrolled in Medicare due to disability have a second IEP when they turn 65.



2)  Annual Election Period (AEP)  -   10/15 – 12/7
Medicare enrollees can change or add a Medicare Prescription Drug plan (PDP), change their Medicare health plan, return to Original Medicare, or enroll in an MAPD plan for the first time, even if you did not enroll during your Initial Election Period.


3)  Medicare Open Enrollment -  1/1 - 2/14
During the MADP disenrollment period, beneficiaries can disenroll from their MA plan and return to Original Medicare.



4)  Special Election Period
A Special Election Period lets beneficiaries change their election.  An SEP is similiar to a Qualifying Event such as invountary coverage loss, divorce, death, moving out of state or service area, etc.  SEPs are determined and announced by CMS.



5)  General Enrollment  Period

The General Enrollment Period (GEP), which runs from January 1 to March 31 of each year. You may enroll in Medicare Part B coverage if you are eligible.  If you enroll in Part B during a GEP, it will be effective July 1 of the year in which you apply. You may have to pay a late-enrollment penalty.


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