The Medicare Annual Enrollment Period, October 15 to December 7, allows all beneficiaries the opportunity to adjust their Medicare plan options.  Outside of AEP, you are able to make changes to your Medicare Advantage plan if you qualify for a Special Enrollment Period for certain life changing events such as moving to a new service area.

Medicare Advantage plans combine all the benefits of Original Medicare (Parts A & B), and may have your Part D Prescription Drug plan built right in. Plus, some plans may include additional benefits. Medicare Advantage and Part D are offered by private insurance companies.

Medicare costs depend on the coverage you have and the services you use. Most people with Part A coverage don’t have a premium, while Part B’s expected standard cost is $202.90 / month for 2026 and $209.50 / month for 2027. Social Security can help you understand your Part B premium.

Part C, or Medicare Advantage plans, have different monthly costs depending on the company and plan you choose. Prescription Drug plans in Part D will also have different costs based on plan choice.

For an in-depth look at estimated costs for each plan type, you can visit our Learning Hub or give our licensed sales agents a call.

There are a few times throughout the year when you may qualify to enroll.

First, your Initial Enrollment period is a 7-month window beginning 3 months before your 65th birthday, the month of your birthday, and three months after. If you were born on the 1st of the month, the enrollment period begins 4 months before your 65th birthday and ends 2 months after your birthday month.

If you miss this period and don't qualify for a Special Enrollment Period, you may be able to enroll during the General Enrollment Period, from January 1 to March 31.

You may also qualify for a Special Enrollment Period if you meet specific qualifying situations such as losing employer health coverage. For more detailed information about when you can enroll, please visit our Learning Hub.