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Initial Enrollment Period (IEP)

    •    Time frame: A 7-month window that starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after.   

    •    What you can do: Sign up for Original Medicare (Parts A and B), Medicare Advantage (Part C), or Part D prescription drug plans for the first time without late penalties. 

Annual Open Enrollment Period (AEP)

    •    Time frame: October 15 through December 7 each year.

    •    What you can do: Switch, join, or drop a Medicare Advantage plan or Part D prescription drug plan, or change back to Original Medicare. Changes take effect on January 1. 

General Enrollment Period (GEP)

    •    Time frame: January 1 through March 31 each year.

    •    What you can do: Sign up for Parts A and B if you missed your initial window and do not qualify for a special sign-up time. Late penalties may apply. 

Special Enrollment Period (SEP)

    •    Time frame: Varies based on life events.

    •    What you can do: Change or sign up for plans outside standard dates if you move, lose job-based health coverage, or experience other major life changes. 

We offer Medicare Health Plans, Life Insurance, Long-Term Care, and Annuities.

A few differences between Medicare Advantage plans and Medigap plans are that Medigap works alongside original Medicare, covers the "gaps" in copays and coinsurance, and has no network; you can use any doctor who accepts Medicare. And Medicare Advantage is a private insurance company (replaces original Medicare); it has lower premiums but is limited to a network (HMO/PPO), usually bundles in drug coverage, often dental, vision, and hearing. You can't have both plans at the same time.