Learn When You Can Enroll in Medicare

What You Should Know Enrollment Periods

Part A enrollment

Si recibe beneficios del Seguro Social, obtendrá automáticamente la cobertura de Medicare Parte A cuando cumpla 65 años. Si demora la obtención de los beneficios del Seguro Social pasado su cumpleaños n.º 65, tendrá que comunicarse con el Seguro Social para solicitar la cobertura de Medicare Parte A. 

Part B enrollment

The best time to enroll in Medicare Part B is your Initial Enrollment Period-the seven-month period that starts three months before the month you turn 65, includes the month you turn 65 and ends three months after the month you turn 65. If you enroll in Medicare Part B after your Initial Enrollment Period, you may pay a monthly late enrollment penalty if you don't qualify for a Special Enrollment Period.

Medicare Advantage (Part C) and Medicare Prescription Drug (Part D) Enrollment periods

Hay cuatro períodos de inscripción para las coberturas Medicare Advantage y las coberturas de medicamentos con receta de Medicare. Repáselos a continuación para saber cuál es el adecuado para usted.

Período inicial de inscripción

When you first become eligible for Medicare, you can join during the seven-month period that starts three months before the month you turn 65, includes the month you turn 65 and ends three months after the month you turn 65.

Período anual de inscripción

Anyone can join, switch, or drop a Medicare Advantage or Medicare prescription drug plan between October 15 and December 7. Si la solicita durante este período, la cobertura comenzará el 1 de enero.

Medicare Advantage Open Enrollment Period

The Medicare Advantage Open Enrollment Period is January 1 through March 31 each year. During this time Medicare Advantage enrollees can:

• Have a Special Election Period to add or change Part D coverage
• Enroll in another Medicare Advantage plan
• Disenroll from a Medicare Advantage plan and return to Original Medicare

You may only make one election during the Medicare Advantage Open Enrollment Period. You are also eligible to participate in Open Enrollment if you are a new Medicare beneficiary who enrolled in a Medicare Advantage plan during your Initial Enrollment Period.

A Medicare Advantage eligible individual who elects Original Medicare during the Medicare Advantage Open Enrollment Period may elect to enroll in a prescription drug plan during this time. If so, the effective date of this coverage is the first of the first of the month following receipt of the enrollment request.

Período especial de inscripción

En la mayoría de los casos, tiene que mantener la cobertura durante el año calendario en que comenzó su cobertura. But you may be able to join, switch or drop a Medicare Advantage or Medicare prescription drug plan during a Special Enrollment Period. La siguiente es una lista de algunas, pero no todas las razones por las que quizás necesite cambiar de cobertura durante un Período especial de inscripción:

• Mudarse fuera del área de cobertura acreditada por el seguro médico
• Ingresar o salir de una institución calificada, como un hogar para cuidados especiales
• Ser elegible para recibir un subsidio para personas de bajos ingresos (beneficio adicional)
• Solicitar cobertura Medicare
• Perder involuntariamente la cobertura para medicamentos con receta comprobable
• Abandonar o perder la cobertura médica del empleador

Medicare Supplement Insurance Enrollment Periods

• You can enroll in a Medicare Supplement Insurance Plan within six months of your Medicare Part B effective date.
• This six-month Open Enrollment Period is the best time to enroll because it’s the only time when enrollment is guaranteed.
• If you enroll in Medicare Supplement Insurance Plan after the Open Enrollment Period, you may have to meet certain requirements and could pay more for the plan.

Speak with a Medicare Plan Specialist

Comuníquese con nosotros si se identifica con alguna de estas situaciones.

Llame al 1-877-213-1821 (TTY 711).

8:00 a.m. - 8:00 p.m. daily, local time. Calls April 1 - September 30 may go to voicemail on weekends and holidays.

Para obtener más información, consulte Medicare y su manual .