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When Is Medicare Part D Enrollment Period?
By Chris Gasparini
Chris Gasparini has been a licensed insurance agent since 2005. He enjoys helping Medicare beneficiaries navigate their options to find the best solution for their unique needs. Chris feels as though ...his work truly helps people. Because he represents multiple insurance companies and plan types, Chris is able to help Medicare beneficiaries find the most cost-effective plan. Every day, he leaves work knowing he did what was right for each and every client he serves.Read more
May 23, 2020
You have three different periods to enroll in a Prescription Drug Plan:
Initial Enrollment Period
Your Initial Enrollment Period (IEP) occurs when you turn 65 and lasts for seven months. It begins three months before your birth month and extends through the three months following your birth month.
When you’re under 65 and disabled: Your Medicare coverage begins 24 months after you receive Social Security or Railroad Retirement Board disability benefits. You can sign up for Medicare Part D starting three months before your 25th month of getting these disability benefits, during the 25th month, or three months after the 25th month you received these benefits.
The Annual Open Enrollment Period
From October 15 through December 7, you are able to make changes your Medicare Part D Prescription Drug Plan. You are also able to join or change to a Medicare Advantage Plan with or without prescription drug coverage. You can add, drop, or change prescription drug plans during this annual enrollment period. If you are not satisfied with your prescription drug coverage or Medicare Advantage plan, you can drop it completely during this period without any stipulations or restrictions.
Special Enrollment Period
There are Special Enrollment Periods for people with extenuating circumstances, when changes can be made to Medicare Advantage and Medicare Prescription Drug Plans outside of the aforementioned enrollment periods. There are different rules about when you can make these changes and what changes can be made. Please go to Medicare.gov for more information on Special Enrollment Periods.
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