Medicare Annual Election Period Simplified:

What is the “Annual election period” or AEP? 

This is the period in which Medicare eligible beneficiaries are able to make certain changes to your Medicare Advantage and Part D plans. 

When does it take place? 

The dates for AEP are October 15 – December 7 and all changes made are effective January 1, or the following year.

What You Can Do During AEP?

During AEP, Medicare beneficiaries Join, Switch, or Drop the following plans:

  • Medicare Advantage plan.
  • Medicare Advantage plan to another Medicare Advantage Plan.
  • Medicare prescription drug plan (Medicare Part D).

Note: During AEP you can switch as many times as you would like, the last entered application will be the effective policy come January 1. 

Preparing for AEP

Assess Your Needs – Your first step in planning for AEP is to assess your health care needs so that you can make the best choice for YOU.  Each plan has different coverage and pricing and can change from year to year so checking over your options is very important.  For example, most Medicare Advantage plans include some form of prescription drug coverage (MAPD) but the drug costs will vary from plan to plan. Some include vision, dental, hearing and wellness care while others may not. 

Get Help! – You don’t have to do this alone. Depending on your area, there may be dozens of plans to choose from. Don’t be afraid to ask for help and have a well trained independent agent sit down with you, and help find you the plan that fits your needs and budget. Schedule an appointment with an AHIC agent and let us streamline the process.

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