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When Can You Enroll

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When Can You Enroll
Medicare allows you to join a MA Plan when you first become eligible for Medicare, or between Nov 15 – Dec 31 of each year (your coverage begins Jan 1 of the following year). 

Switching into a New Plan
If you are enrolled in a plan by Dec 31, you have from Jan 1 - March 31 to make one of the following changes: 

  1. if you’re in a drug plan, you may switch to a MA Plan with drug coverage; 

  2. if you’re in a MA Plan with drug coverage, you may switch to another plan that includes drug coverage; 

  3. if you’re in a plan without drug coverage, you may switch to another plan without drug coverage. 

BE CAREFUL: you may only switch once. However, you may also switch plans in certain circumstances—for example: if you move out the plan’s service area or if you have both Medicare and Medicaid.   Enrollment dates may differ for SNPs and MSAs. 

Important Enrollment Dates

  • Oct 1 – Nov 14:
    Benefit information from all plans becomes available.

  • Nov 15 – Dec 31:
    You may enroll in a plan, with coverage beginning Jan 1.

  • Jan 1 – March 31:
    You may make one change to your coverage.

View Freedom Plans in Your Area
Not sure what plan you want?  It’s easy, just find your county and browse through the Freedom Plans in available in your area.

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