Key Medicare Enrollment Periods And Deadlines

Initial Enrollment At 65

Your Initial Enrollment Period is a seven month window that surrounds your 65th birthday month. Use it to activate Part A and Part B and choose your first coverage path. If you prefer a Medicare Supplement and Part D, timing here is important for guaranteed approval. If you want Medicare Advantage, you can choose a Part C plan once Parts A and B are active.

Special Enrollment After Employer Coverage

Working past 65 with creditable employer insurance allows a Special Enrollment Period when that coverage ends. You have up to eight months to enroll in Part B without penalty. We coordinate your dates so there is no gap between your job-based plan and Medicare.

Annual Election Each Fall

From October 15 to December 7, Michigan beneficiaries can change Medicare Advantage or Part D plans for the next year. We compare updated benefits, premiums, and formularies and help you switch if a better fit exists. Changes take effect January 1.

Open Enrollment Jan To Mar

If you are already in a Medicare Advantage plan on January 1, you can make one change between January 1 and March 31. Switch to another Advantage plan or return to Original Medicare and pick a Part D plan. Use this window if your plan is not working as expected.

Other Special Enrollment Triggers

Moving to a new county, losing other coverage, qualifying for Extra Help, or becoming eligible for a Special Needs Plan can open a Special Enrollment Period. A five star plan in your area can also allow a one time switch. McDonnell Insurance will verify your eligibility and handle the paperwork.