Your Annual Enrollment Period Guide| Medicare Plans| All Care
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Types of Plans Offered by All Care

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Medicare Advantage Plans (Part C):

  • Offered by private insurance companies and provide an alternative to Original Medicare.
  • Often include additional benefits, such as prescription drug coverage and may be HMOs, PPOs, or other plan types.

Medicare Part D Plans:

  • Specifically cover prescription drugs and work alongside Original Medicare.
  • Can be purchased as standalone plans or bundled with Medicare Advantage plans.

Original Medicare (Parts A and B):

  • Includes hospital insurance (Part A) and medical insurance (Part B).
  • Individuals can review and make changes to their Original Medicare coverage or add supplementary Medigap plans for added coverage during the Enrollment Period.

Health Insurance Marketplace (ACA) Plans:

  • For individuals not eligible for Medicare under the Affordable Care Act (ACA).
  • Includes Bronze, Silver, Gold, and Platinum plans, each offering different levels of coverage.

Employer-Sponsored Health Plans:

  • Provided to individuals by their employers.
  • Employees may have the opportunity to select or modify their health insurance plans for the upcoming year, during the Enrollment Period.

Medicaid Plans:

  • Applicable for those eligible for Medicaid.
  • Eligible individuals can review and adjust their Medicaid plans during the Enrollment Period.

Short-Term or Temporary Health Plans:

  • Provide coverage for a limited period.
  • Good option for people in transition between jobs or coverage.

Healthcare Sharing Ministries:

  • These are faith-based organizations.
  • Members contribute to help cover each other's medical expenses. 
  • These typically do not follow the typical Enrollment Period schedule.

Association Health Plans:

  • Group health insurance plans that can be offered by associations or organizations.
  • The availability of Enrollment Period for association health plans may vary.

Do's and Don'ts of Enrollment Period

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    Do review your current health insurance plan to ensure it still meets your needs.

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    Do compare different plans, including premiums, deductibles, and coverage options.

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    Do make sure to enrol or renew your coverage during the designated Enrollment Period to avoid gaps in coverage.

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    Do seek help from insurance experts or navigators if you have questions or need assistance.

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    Do check if you qualify for any subsidies or financial assistance.

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    Don't miss the Enrollment Period deadline, as you may have to wait for the next Enrollment Period.

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    Don't assume your current plan will automatically renew; review and confirm your choices.

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    Don't overlook changes in your healthcare needs or prescription medications; update your plan accordingly.

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    Don't forget to consider all out-of-pocket costs when comparing plans, not just premiums.

Tips to Assist with Enrollment Period:

Enrollment Period
  • Plan Ahead: Start your research well in advance before the Enrollment Period and make informed decisions.
  • Make a Checklist: Create a list of your healthcare needs and priorities to guide your plan selection.
  • Seek Guidance: Consult insurance experts, agents, or online tools to compare plans.
  • Review Your Medications: Check if your prescriptions are covered under your chosen plan.
  • Consider Life Changes: Major life events, like marriage or retirement, can impact your coverage needs. Pick a plan accordingly.
Enrollment Period

Important Dates of the Enrollment Period

While the exact dates for Annual Enrollment Period may vary, they are usually as follows:

  • Starts: October 15th
  • Ends: December 7th

During this time, you can enrol in, or make changes to your Medicare Advantage and Medicare Prescription Drug Coverage.

These changes apply from January 1st of the following year.

⚠️ NOTE: For Affordable Care Act (ACA) health plans, the Enrollment Period usually runs from November 1st through December 15th.

Frequently Asked Questions

Missing the Enrollment Period deadline may limit your ability to enroll in or change your plan. You may need to wait until the next Enrollment Period unless you qualify for a Special Enrollment Period (SEP).

Yes, certain life events, like marriage, childbirth, or relocation, can trigger a Special Enrollment Period (SEP) allowing you to change your plan outside of Enrollment Period.

While it's a good practice to review your plan annually, you are not obligated to make changes if your current plan still meets your needs.

Yes, depending on your income and eligibility, you may qualify for subsidies and financial assistance through the Health Insurance Marketplace or Medicare.

Yes, Enrollment Period is the time when you can make this switch, as well as adjust your Medicare Part D prescription drug coverage.