Frequently Asked Questions

Medical Insurance: Senior Plans

General

When is Medicare's Annual Election Period?

American Insurance reminds area seniors to take note of the Medicare Open Enrollment Period each year from Oct. 15 to Dec. 7. This is when everyone who has Medicare – not only seniors – can change to different Medicare Advantage or Part D (Prescription Drug Plans).

For seniors already enrolled in a Medicare option, the enrollment period ensures that their changes will take effect on Jan. 1, 2019.

Seniors have more choices at AMERICAN INSURANCE! We are independent and represent many insurance companies to provide you multiple choices for your family. 

Medicare’s Yearly Enrollment Period from Oct. 15 to Dec. 7 is the best time to compare your options to choose the plan that is best for you. During this Annual Enrollment Period, you can:

  • Change from Original Medicare to a Medicare Advantage Plan.
  • Change from a Medicare Advantage Plan back to Original Medicare.
  • Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
  • Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
  • Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage.
  • Join a Medicare Prescription Drug Plan.
  • Switch from one Medicare drug plan to another Medicare drug plan.
  • Drop your Medicare prescription drug coverage completely.

For seniors who are already enrolled in a Medicare option, the enrollment period ensures the changes will take effect on Jan. 1, 2019.

During the Medicare Advantage Open Enrollment Period from Jan. 1 to March 31, you can:

  • If you’re in a Medicare Advantage Plan (with or without drug coverage), you can switch to another Medicare Advantage Plan (with or without drug coverage).
  • You can disenroll from your Medicare Advantage Plan and return to Original Medicare. If you choose to do so, youll be able to join a Medicare Prescription Drug Plan.
  • If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without drug coverage) within the first 3 months you have Medicare.

Get local assistance at AMERICAN INSURANCE.

We have two local agents who are available by appointment to discuss Medicare and many other health care options with you, at your convenience. You can call Tim Gleason or Dave Root at 208-746-9646 or contact us online or email us at Medical@Am-Ins.com to set your appointment today.

Do you need more information about Medicare? Here are some answers to some questions you may have.

Do you still have questions? You can contact us to make an appointment here, or call us at 208-746-9646 or email us at Medical@Am-Ins.com.

Source: Medicare.Gov - Joining a health or drug plan

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FAQ Disclaimer

The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.

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