Can I change my Ohio Medicare Plan at any time?


ONE SPECIAL NOTE: You can change/switch Ohio Medicare Supplement to supplement at any time throughout the year! There are a few restrictions(i.e end-stage renal disease)…Click here for more information. It is wise to review rates from all the companies every few years.

 You are limited in when you can change some Ohio Medicare health plans during the year:

  1. You can switch Ohio Medicare private plans during Fall Open Enrollment (Fall Open Enrollment is sometimes known as the Annual Coordinated Election Period – ACEP) which runs from November 15 through December 31 in 2010. Your new coverage starts January 1. During this period you can change your choice of health coverage, and add, drop or change Medicare drug coverage. (You can make as many changes as you need during this period, but only your last coverage choice will take effect January 1. However, to avoid enrollment problems, it is best to make as few changes as possible).

    Note: Beginning in October of 2011 the Fall Open Enrollment Period will start earlier and end earlier. Fall Open Enrollment in 2011 and beyond will be from October 15 to December 7. Changes and enrollments made during Fall Open Enrollment will still become effective January 1.

    Note: If you are changing plans to join a Medicare Medical Savings Accounts (MSA), you can usually only do so during the Fall Open Enrollment Period.  

  2. You can switch from your Ohio Medicare private health plan (except MSA plan) to Original Medicare in Ohio during the Medicare Advantage Disenrollment Period (MADP). You can only make this coverage change if you have a Medicare private health plan (also known as a Medicare Advantage plan). The MADP will occur every year starting in 2011, from January 1 to February 14.

    If you have an Ohio Medicare private health plan you will be able to switch to Original Ohio Medicare with or without a stand-alone prescription drug plan. Changes made during this period will become effective the first of the following month. For example, if you switched from an Ohio Medicare Advantage plan to Ohio’s Original Medicare and a stand-alone prescription drug plan in February, your new coverage would begin March 1.

    Note: If you are enrolled in an Ohio PFFS plan with a stand-alone drug plan, you must keep your stand-alone prescription drug plan if you switch to Original Medicare during the MADP.

    Note: If you disenroll from your Medicare private health plan (Medicare Advantage plan) federal law does not usually give you the right to buy a Medicare Supplement/Medigap plan in Ohio. The laws in your state might give you more rights. Ohio Medigap plans are supplemental polices that help pay for Original Medicare deductibles and coinsurances. Click here to request info and find out if and when you can enroll in an Ohio Medigap plan.

3. Under certain circumstances, you may be eligible for a Special Enrollment Period (SEP) to change your health and or drug plan outside of the usual enrollment or disenrollment periods. If you get an SEP, your new coverage will usually start the first of the month after you sign up for or disenroll from a Medicare private health plan. One example of when you qualify for an SEP: when your Medicare private health plan leaves your area or you move out of your plan’s service area, you can switch to another private health plan or to Original Medicare.