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Medicare Part D Enrollment Periods

A very common question from seniors who are approaching 65 and those already on Medicare is about enrollment periods for Medicare Part D. Well, that question has many answers because there are many dates when you can enroll into a Medicare Part D drug plan. Those eligibility periods and dates are as follows:

Medicare Enrollment / Eligibility Periods & Dates

Initial Election Period (IEP) Disability Annual Election Period (AEP) Extra Help Qualifiers 5-Star Special Enrollment Period
You may join a Medicare Part D plan 3 months before the month you turn 65, the month you turn 65, and the 3 months after you turn 65. You may join a Medicare Part D plan 3 months before your 25th month of disability, the 25th month of disability, and 3 months after your 25th month of disability. You may join a Medicare Part D plan October 15th – December 7th. Your plan will take effect January 1st. You may join a Medicare Part D plan anytime if you qualify for Extra Help. Extra Help is a Medicare program which helps those who are unable to pay premiums, deductibles, and coinsurance due to financial hardships. Starting December 8th, 2011, you can switch you Medicare Part D plan to a 5-Star prescription drug plan any time during the year. You may only switch to a 5-Star plan if it is available in your area and you may only use this period to switch to a 5-Star plan once per year.

Once you have enrolled during one of these eligibility periods, you must stay enrolled in you plan for one calendar year. However, there are a few instances in which you will be able to drop your plan and enroll in another plan such as:

  • If you move out of your plan’s service area
  • If you lose other creditable prescription drug coverage
  • If you live in an institution such as a nursing home or skilled nursing facility

Please find more helpful information about Medicare Part D on our website or give MWG Senior Services a call at 1.877.936.2991.

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