Annual Enrollment vs Open Enrollment
Strategy Guide
Knowing when you can make Medicare changes is just as important as knowing what to change. May River Medicare Insurance explains enrollment timing clearly and transparently so you can act with confidence.
Enrollment Periods at a Glance
| Enrollment Period | Dates | Who It’s For | What You Can Do |
|---|---|---|---|
| Annual Enrollment Period (AEP) | Oct 15 – Dec 7 | Current Medicare beneficiaries | Switch Advantage or Part D plans |
| Medigap Open Enrollment | 6 months after Part B starts | New Part B enrollees | Enroll in any Medigap plan without underwriting |
Annual Enrollment Period (AEP) Strategy
What You Can Change
- Switch Medicare Advantage plans
- Move from Original Medicare to Advantage
- Change Part D prescription drug plans
What You Cannot Change
- Guaranteed Medigap enrollment
- Medigap acceptance without underwriting
Medigap Open Enrollment Strategy
Why This Window Is Critical
This is your one guaranteed opportunity to buy any Medigap plan available in your state — regardless of health.
Smart Long-Term Move
Many people choose Plan G or Plan N during this period to lock in coverage for life without future medical underwriting.
Which Enrollment Period Should You Use?
Use AEP If:
- You’re on Medicare Advantage
- Your doctors or prescriptions changed
- Your plan’s costs increased
Use Medigap Open Enrollment If:
- You just enrolled in Part B
- You want predictable medical costs
- You want to avoid underwriting
Build the Right Enrollment Strategy
See which enrollment period applies to you and compare plans by ZIP code. May River Medicare Insurance shows every option up front — no pressure, nationwide.