The Medicare Annual Enrollment Period, explained.
Each year from October 15 through December 7, Medicare opens a window to review and adjust your coverage. Here’s what it is, what you can change, and how it works.
What is the Annual Enrollment Period?
The Medicare Annual Enrollment Period (AEP) is a yearly window, October 15 through December 7, when people with Medicare can review their coverage and make changes for the year ahead. Changes you make during AEP generally take effect on January 1.
It’s a normal, recurring part of how Medicare works. Plans can change their costs and coverage from one year to the next, so AEP is simply the time set aside to look things over.
What you can change during AEP
Switch between Original Medicare and Advantage
Move from Original Medicare to a Medicare Advantage plan, or the other way around.
Change Medicare Advantage plans
Switch from one Medicare Advantage plan to another.
Join, switch, or drop Part D
Add a Part D prescription drug plan, change plans, or drop coverage.
Keep what you have
If your current plan still fits, you don’t have to change anything at all.
Why an annual plan review matters
Even if you’re happy with your coverage, a yearly review can be worthwhile. Here’s why:
Plans change
Premiums, copays, drug formularies, and provider networks can be updated each year.
Your needs change
New prescriptions, new doctors, or a move can affect which plan fits best.
Costs add up
Small differences in premiums or drug coverage can matter over a full year.
Key Medicare dates
| Period | When | What it’s for |
|---|---|---|
| Annual Enrollment Period | October 15 – December 7 | Review and change your Medicare Advantage and Part D coverage for the coming year. |
| Coverage takes effect | January 1 | Changes made during AEP begin. |
| Medicare Advantage Open Enrollment | January 1 – March 31 | If you’re already in a Medicare Advantage plan, make a one-time change. |
Other enrollment windows can apply too, including when you first become eligible. We can explain the timing that fits your situation.
How an advisor helps during AEP
Reviews your current plan
We look at what’s changing for the coming year and how it affects you.
Compares the options we offer
We weigh your doctors, drugs, and budget against the plans available to you.
Answers your questions
Clear, patient guidance — and the decision is always yours.
Frequently asked questions
When is the Annual Enrollment Period?
It runs from October 15 through December 7 each year. Changes you make generally take effect on January 1.
Do I have to make a change during AEP?
No. AEP is an opportunity to review your coverage, not a requirement to change it. If your current plan still fits, you can keep it.
What’s the difference between AEP and Medicare Advantage Open Enrollment?
AEP (October 15 – December 7) is open to everyone with Medicare. Medicare Advantage Open Enrollment (January 1 – March 31) is for people already in a Medicare Advantage plan who want to make a one-time change.
Does it cost anything to have an advisor review my plan?
No — working with a licensed advisor comes at no cost to you. Like most agencies, we’re typically paid by the insurance companies when you enroll, not by you.
The Jeff George Agency is a licensed insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Have questions about reviewing your coverage?
A licensed advisor is happy to walk through your options clearly and patiently, whenever you’re ready.