People with Medicare enrolled in 2013 Medicare Advantage (MA) and Prescription Drug Plans (PDP) from October 15 through December 7, 2012. Your plan selection during the 2012 Annual Election Period (AEP) was effective January 1. If you want to change your MA plan or prescription drug coverage on or after January 1, Medicare has certain rules in place. In the past, if you changed your mind about the MA plan you had enrolled in after January 1, you were able to enroll in a different MA plan up until March 31. That enrollment option was called the Open Enrollment Period. That has changed.
There is now a time called the Annual Disenrollment Period (ADP). The ADP is January 1 through February 14 each year. During this time, people who have a MA plan are able to drop their MA coverage and go back to Original Medicare. You would not be able to enroll in a different MA plan, but you can enroll in a stand-alone prescription drug plan. If you go back to Original Medicare, you still have the choice of buying a Medicare Supplement plan to help cover your out-of-pocket medical expenses. If you want to make these changes during the disenrollment period, you must do so before February 14, 2013. For more details, go to the Medicare Website or call 1-800-MEDICARE (1-800-633-4227) or visit TTY users should call 1-877-486-2048. Both lines are open 24 hours a day, 7 days a week.
The rules about when you can make changes apply to all plans except Medicare Advantage-only Private-Fee-for-Service (PFFS) plans. If you are enrolled in an MA-only PFFS plan and want to go back to Original Medicare with a stand-alone drug plan, you must ask your PFFS insurer to disenroll you from the PFFS plan before you can enroll in a stand-alone drug plan.
Note: People who have Medicare plans through a group such as an employer have their own enrollment period. The ADP does not apply. If you have questions about your plan, please see your company's benefits administrator.
Remember: If you still have questions about these changes or Medicare, go to the Medicare Website or call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. Both lines are open 24 hours a day, 7 days a week.