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 AEP Medicare refers to the Annual Enrollment Period, a yearly window from October 15 to December 7 when Medicare beneficiaries can change or join Medicare Advantage (Part C) and/or Part D prescription drug plans for the following year. During AEP, you can switch between Original Medicare and Medicare Advantage, change Part D drug plans, or Move to a Different Medicare Advantage Plan. Changes made during this period take effect on January 1 of the next year. What you can do during AEP:

• Enroll in a new Medicare Advantage plan: or drop your current one to return to Original Medicare. 
• Switch to a different Medicare Advantage plan . 
• Change or join a Medicare Part D plan: for prescription drug coverage. 
• Review your current coverage: to ensure it meets your health and budget needs for the upcoming year. 

Key Dates:

• October 15: You can start reviewing plans and making changes. 
• December 7: This is the deadline to make any changes to your Medicare Advantage or Part D plans. 
• January 1: Your new coverage begins. 

Why AEP is important:

• Medicare Advantage and Part D plans can change their costs, benefits, and provider networks each year. 
• AEP gives you a chance to evaluate if your current plan still meets your needs or if a different plan would be a better fit. 

 In Medicare, "OEP" stands for "The Open Enrollment Period," specifically referring to the "Medicare Advantage Open Enrollment Period" which is a time frame when individuals enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or return to Original Medicare; this period typically runs from January 1st through March 31st each year. Key points about OEP:

• Who can use it: People already enrolled in a Medicare Advantage plan. 
• What you can do during OEP: Switch to another Medicare Advantage plan, or go back to Original Medicare and potentially enroll in a standalone Medicare Part D prescription drug plan. 
• When it happens: Usually from January 1 through March 31st.    

• The OEP, or Medicare Advantage Open Enrollment Period, is a yearly window for current Medicare Advantage plan members to switch plans or return to Original Medicare with or without a drug plan. For 2025, this period ran from January 1 through March 31. In addition, there is a broader Medicare Annual Enrollment Period (AEP) from October 15 to December 7 for most Medicare beneficiaries to make plan changes, effective January 1 of the following year. What is the Medicare Advantage OEP?
• Who it's for: People already enrolled in a Medicare Advantage plan (Part C). 
• What you can do:
  • Switch to a different Medicare Advantage plan. 
  • Drop your Medicare Advantage plan and return to Original Medicare. 
  • If returning to Original Medicare, you can also enroll in a Medicare Part D prescription drug plan. 
• When it is: January 1 to March 31 of each year. 

Key things to remember:

• You cannot switch from Original Medicare to a Medicare Advantage plan during this OEP; you must wait for the Annual Enrollment Period. 
• Changes you make during the Annual Enrollment Period (October 15 - December 7) take effect January 1 of the next year. 

The main difference between Medicare Advantage Open Enrollment and Medicare Annual Enrollment is who can use each one. Medicare Annual Enrollment is when anyone who has Medicare can make coverage changes for the upcoming year, while Medicare Advantage Open Enrollment is only for people who are currently enrolled in a Medicare Advantage plan.

Another difference between the two is the timing. Medicare Annual Enrollment is October 15 - December 7, while Medicare Advantage Open Enrollment is January 1 - March 31. Both happen every year. 

 The Medicare Annual Enrollment Period (AEP), from October 15 to December 7, allows anyone with Medicare to switch between plans, including enrolling in a Medicare Advantage plan, changing Part D plans, or moving back to Original Medicare. The Medicare Advantage Open Enrollment Period (MA OEP), from January 1 to March 31, is for current Medicare Advantage enrollees to make one change, either switching to a different Medicare Advantage plan or returning to Original Medicare and adding a Part D plan. Medicare AEP (October 15 – December 7)

• Who can change plans? Everyone eligible for Medicare. 
• What changes can be made? You can enroll in or disenroll from a Medicare Advantage plan, change between Medicare Advantage plans, join, drop, or switch Part D prescription drug plans, and move from Original Medicare to Medicare Advantage or back to Original Medicare. 
• Key feature: Broad changes and multiple changes are allowed. 

Medicare Advantage Open Enrollment Period (MA OEP) (January 1 – March 31) 

• Who can change plans? Only individuals currently enrolled in a Medicare Advantage plan. 
• What changes can be made? You can make one change by either switching to a different Medicare Advantage plan or dropping your current Medicare Advantage plan to return to Original Medicare. 
• Key feature: This is a more limited period for those with Medicare Advantage to fix a plan that isn't meeting their needs. 

In Summary:

• AEP is for everyone: and offers a wide range of changes. 
• MA OEP is for current Medicare Advantage members: to make one change to their plan or to disenroll from Medicare Advantage. 

ARE YOUR PRESCRIPTIONS & OTHER HEALTHCARE COSTS DIGGING TOO MUCH INTO YOUR PERSONAL FINANCES?

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Some Plans Even Include Benefits To Help Pay Your Rent Or Mortgage Payments. 

***ASK ABOUT HOW TO GET BACK THE PROPOSED $206.50 MEDICARE PART-B PREMIUM FOR 2026***

 The standard Medicare Part B premium for 2026 is projected to be $206.50 per month, an increase of $21.50 from the 2025 premium of $185.00, representing an 11.6% jump. This projected amount is based on the 2025 Social Security and Medicare Trustees Report. The official 2026 Part B premiums will be announced later in the fall by the Centers for Medicare & Medicaid Services (CMS).   

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