Can I Change My Medicare Plan Mid-Year?

Author

AIS Medicare & More

For more information about the author, click to view their website: https://aismedicareandmore.com/

Posted on

Mar 15, 2023

Book/Edition

Colorado - Colorado Springs

You can’t switch Medicare Advantage plans whenever you want, but you may have options if you’re unhappy with your plan. Everyone with a Medicare Advantage plan has two opportunities to change plans each year - the Annual Enrollment Period from October 15th to December 7th and the Open Enrollment Period from January 1st to March 31st.

After March 31st changing plans is a little trickier and requires a Special Enrollment Period. Special Enrollment Periods include trial right, 5-Star plan, moving, loss of coverage, plan withdrawal, duplicate coverage, moving into or out or a care facility, qualifying for state or federal assistance with Medicare premiums, a mistake was made on your enrollment, a disaster prevented you from making plan changes and many other enrollment periods based on specific situations that may apply to you.

Licensed agents can help you determine if a special enrollment period applies to you. They can help you determine if you are eligible for a midyear change or if it is best to change plans during the annual enrollment period.

If you want to switch from Medicare Advantage to Medigap there are special considerations and fewer special enrollment periods. Even though you can leave a Medicare Advantage plan and switch to original Medicare during open enrollment and at other times, you may not have a guaranteed right to buy a Medigap policy as they can require underwriting and can decline to provide you with coverage.  Keep in mind that disenrolling from the Medicare Advantage plan may not open an enrollment period to purchase a prescription drug plan midyear, so making the change from Medicare Advantage to Medigap is often done during the annual enrollment period.

If you are considering a plan change, seek advice from a licensed professional just to be sure you are eligible to make the change, you will not be left without coverage, and you qualify for the coverage you are wanting to switch to.


Editor’s Note: This article was submitted by Jolynn Allen, of AIS Medicare & More.  She may be reached at 719-404-3202, or by email at info@aismedicareandmore.com

Other Articles You May Like

The Role of Music and Arts in Senior Therapy: Healing through Creativity

In the realm of senior therapy, the integration of music and arts stands out as a transformative approach to holistic well-being. Recent studies highlight the profound cognitive benefits that music can offer to seniors, from stimulating memory recall to enhancing overall cognitive function. Whether through familiar melodies that evoke cherished memories or the joy of learning a new instrument, music becomes a powerful tool for self-expression and connection, particularly for seniors facing cognitive decline. Simultaneously, engaging in visual and performing arts provides an avenue for creative expression, offering a sense of accomplishment and purpose. The emotional impact of these creative endeavors is equally significant, alleviating feelings of loneliness and fostering a sense of community through shared experiences in choir singing or art classes.In essence, the incorporation of music and arts into senior therapy transcends mere entertainment, becoming a vital aspect of promoting the overall well-being of older individuals. By tapping into the creative spirit, seniors can find avenues for cognitive stimulation, emotional connection, and a renewed sense of purpose. As society recognizes the importance of a comprehensive approach to senior care, the role of music and arts in therapeutic practices emerges as a valuable and enriching endeavor for the aging population, contributing to a fulfilling and vibrant later life.

Ageless Adventures: Exploring the World Through Senior Travel

In a world bustling with new experiences and breathtaking landscapes, age should never be a barrier to wanderlust. Senior travel, often overlooked, is a realm of endless possibilities and enriching encounters. Ageless Adventures is a celebration of this spirit, inviting seniors from all walks of life to embark on transformative journeys across the globe. As the golden years gracefully unfold, theres a growing recognition that travel is not just for the young and restless; its a tapestry of discovery, connecting seniors with the world's diverse cultures, cuisines, and captivating histories. Imagine strolling through the vibrant streets of Kyoto, savoring the aroma of freshly brewed Italian coffee in Rome, or marveling at the ancient wonders of Machu Picchu. These are not mere dreams; they are the vivid realities woven into the fabric of senior travel.Ageless Adventures strives to make these dreams tangible. Through meticulously curated itineraries, seniors are guided to explore destinations tailored to their interests and pace. Whether its delving into the artistry of Parisian museums or finding solace amidst the serene beaches of Bali, every adventure is designed to nurture the soul and spark curiosity. Beyond the breathtaking scenery, these journeys foster a sense of community, where like-minded individuals forge lifelong friendships, share laughter, and create cherished memories. Traveling, after all, is not merely about the places visited; its about the stories shared, the perspectives gained, and the moments that take your breath away. Ageless Adventures invites seniors to step into a world where age is but a number, and every passport stamp is a testament to the enduring spirit of exploration. So, let the adventure begin, and let the world be your timeless playground.

Creating Senior-Friendly Spaces: Home Design Tips for Aging in Place

Creating a safe and comfortable living environment is essential for seniors who wish to age in place gracefully. With thoughtful design and practical adjustments, homes can be transformed into senior-friendly spaces that enhance independence and overall well-being. In this blog post, we will explore some valuable tips and design ideas to help you create a home that is safe, comfortable, and accessible for seniors, allowing them to maintain their independence and dignity.1. Remove Hazards: Start by eliminating potential hazards in the home, such as loose rugs, cluttered walkways, and low-hanging objects. Clear pathways ensure easy movement, reducing the risk of trips and falls.2. Optimize Lighting: Good lighting is crucial for seniors with reduced vision. Install bright LED lights in key areas like hallways, staircases, and entrances. Consider motion-activated lights to enhance safety during nighttime movement.3. Bathroom Modifications: Modify bathrooms with grab bars near the toilet and shower to provide support. Install a raised toilet seat and a non-slip bath mat to prevent slips. Consider a walk-in shower with a bench and handheld showerhead for added convenience.4. Kitchen Adaptations: Lower countertops and cabinets to a comfortable height, allowing seniors to access items without straining. Install pull-out shelves and easy-to-grasp handles on cabinets and drawers. Consider appliances with large, easy-to-read controls.5. Bedroom Comfort: Choose a comfortable mattress and install a nightlight to aid in nighttime navigation. Position the bed at an accessible height, allowing seniors to sit and stand with ease. Install sturdy handrails if necessary.6. Flooring: Opt for non-slip flooring materials, such as cork, rubber, or textured tiles. These surfaces provide traction and reduce the risk of slipping. Additionally, choose carpets with low pile to prevent tripping.7. Home Security: Invest in a home security system that includes medical alert features. This ensures that help is just a button press away in case of emergencies, providing peace of mind for both seniors and their caregivers.8. Technology Integration: Embrace smart home technology, including voice-activated assistants and remote-controlled devices. These innovations enhance convenience and enable seniors to control various aspects of their home environment effortlessly.9. Outdoor Considerations: Create a safe outdoor space with well-maintained pathways, non-slip surfaces, and adequate lighting. Install handrails on stairs and ramps, and consider raised garden beds for seniors who enjoy gardening without bending or kneeling.10. Regular Maintenance: Schedule regular home maintenance checks to ensure that all safety features are in good working condition. This includes checking grab bars, handrails, and other modifications for stability and durability.Designing a senior-friendly home is a thoughtful and meaningful process that greatly impacts the quality of life for aging individuals. By implementing these practical tips and design ideas, you can create a space that not only meets the physical needs of seniors but also promotes their emotional well-being and independence. With the right adjustments, seniors can continue to enjoy the comfort and familiarity of their own homes, ensuring a happy and fulfilling life as they age in place.

Local Services By This Author

AIS Medicare & More

Medicare Advantage Plans 3030 N Hancock, Colorado Springs, Colorado, 80907

AIS Medicare & More has been serving Southern Colorado seniors since 2008. We have started to spread all throughout Colorado, to broaden our reach and help more Colorado seniors. Our complimentary Medicare appointments are available in office, at your home, by phone or by computer. We believe in educating you about your Medicare options and both Medicare systems, so you can make an educated and informed decision that meets both your health insurance needs and fits your budget. Our agents are with you for life. We provide annual policy reviews, lifetime claims service, account management and prefer if you call us not the carriers. We want to know what is going on in order to better assist you with any of your needs in the future. We help you with State and Federal programs, Medicare Savings Reimbursement, Extra Help, Pharmaceutical Assistance Programs, Veterans Programs, Long Term Care Medicaid and more. By combining all of the programs available to you with your Medicare plan benefits, we can improve your overall coverage and reduce your out of pocket expenses. We are on your team! We want to ensure that you are taking advantage of all of the benefits available for you.