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Cuándo solicitar cobertura

Cuando tiene 65 años y es nuevo en Medicare, es posible que existan muchas fechas para recordar. Pero solicitar cobertura en Medicare es fácil.  If you're already receiving Social Security benefits, you'll automatically be enrolled in Medicare Part A when you turn 65. If you're delaying Social Security benefits past your 65th birthday, you'll have to contact the Social Security Administration to enroll in Medicare Part A.

You have several options for when you can enroll in Medicare Part B. You're first eligible to sign up during the Initial Enrollment Period (IEP). It lasts for seven months - the three months before your 65th birthday, the month of your birthday, and the three months after your birthday. Si no solicita cobertura durante ese período, puede solicitarla durante el período de inscripción anual (AEP, en inglés) del 15 de octubre al 7 de diciembre.

Períodos de inscripción

There are four enrollment periods for Medicare Advantage plans and Medicare prescription drug plans. Review them below to determine which one is right for you.

Período anual de inscripción (AEP)

Anyone can join, switch or drop a Medicare Advantage plan or a Medicare prescription drug plan between October 15 and December 7. If you apply for a plan during this time, coverage begins on January 1.

Período de inscripción abierta (OEP, en inglés)

El Período de inscripción abierta de Medicate Advantage (MA OEP, en inglés) se extiende del 1 de enero al 31 de marzo de cada año. During this time, Medicare Advantage enrollees can pick a different Medicare Advantage plan or switch to Original Medicare and enroll in a Medicare Advantage Prescription Drug (MAPD) plan. The effective date for an MA OEP election, or plan change, is the first of the month following receipt of the enrollment request. You may make only one plan change during the MA OEP.

The MA OEP is also available for the first three months an individual has Medicare eligibility. You are eligible to use the MA OEP to make a plan change if you are a new Medicare beneficiary who enrolled in a Medicare Advantage plan during your Initial Coverage Election Period (ICEP), which is the first three months you were eligible to enroll. In this situation, the OEP occurs the month of entitlement to Part A and Part B through the last day of the third month of entitlement.

Período inicial de inscripción (IEP, por sus siglas en inglés)

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

Solicite cobertura 3 meses antes del mes en el que cumple 65 años, en el mes de su cumpleaños n.° 65 o 3 meses después del mes de su cumpleaños n.° 65

Período especial de inscripción (SEP, por sus siglas en inglés)

In most cases, you must stay enrolled in the plan for the calendar year when your coverage began. But when certain events happen in your life, you may be able to join, switch or drop a Medicare Advantage plan and a Medicare prescription drug plan and return to Original Medicare during a Special Enrollment Period. Below is a list of some, but not all, of the events that may qualify you for an SEP:

  • You move outside of the plan’s approved service area
  • You enter or leave a qualified institution, such as a nursing home
  • You qualify for low-income subsidy assistance (Extra Help)
  • You enroll in Medicaid
  • You Involuntarily lose creditable prescription drug coverage
  • You leave or lose your employer's health plan

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

For more information, refer to the Medicare & You handbook.

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