It’s time for Medicare Advantage Open Enrollment

The Medicare Advantage OEP runs from January 1 – March 31. During this period, beneficiaries who are enrolled in an MA/MAPD plan have a one-time opportunity to change plans. This election period is not available to those with Original Medicare or those enrolled in a standalone Prescription Drug Plan.

Agents should support members who contact them because they are not happy with their current Medicare Advantage (MA) by helping them find a UnitedHealthcare plan, which may mean switching to another MA plan, or returning to Original Medicare and adding a PDP plan and a Medicare supplement plan, that works best for them and educating them about the different election period options.

Eligibility

Member must have Medicare Advantage plan on January 1.

Things to Know

During the Medicare Advantage Open Enrollment Period (MA OEP), beneficiaries who are enrolled in a Medicare Advantage (MA) plan or who are newly-MA-eligible may make any of the following one-time changes to their coverage:

  • Switch from one MA plan to a different MA plan
  • Drop MA coverage and return to Original Medicare (Part A and Part B)
  • Drop MA coverage, return to Original Medicare and add a stand-alone Part D plan

What is NOT allowed during the Medicare Advantage Open Enrollment Period?

  • An individual enrolled in Original Medicare to join a MA plan.
  • Part D changes for individuals enrolled in Original Medicare, including those enrolled in stand-alone Part D plans.

Coverage begins

First of the month

OEP dos and don’ts

When assisting your clients during OEP, you must follow CMS guidance outlining permitted and prohibited marketing activities.

  • You may not send unsolicited materials to any MA or MAPD enrollee advertising the ability/opportunity to make an additional enrollment change during the OEP
  • You may:
    • Assist MA/MAPD clients with changing plans during OEP if they contact you and want to make a change.
    • Market to age-in beneficiaries, as well as dual-eligible and low-income subsidy (LIS) beneficiaries, as you normally would. OEP rules do not impact marketing or enrollment rules for these individuals.
    • At a beneficiary’s request, send marketing materials, have one-on-one meetings, and provide information on the OEP.
    • Include general information on your website about enrollment periods, including OEP.

Reach out LaRae Mills or Weston Peterson on LeClair Group’s Medicare with your questions and to learn about the available Medicare Advantage options.

Learn More

UnitedHealthcare: Get the facts about the Medicare Advantage Open Enrollment Period and Medicare Supplement

Allina Health | Aetna: Open Enrollment Period – What you need to know

Blue Cross and Blue Shield of Minnesota: Medicare Advantage OEP Details

A Medicare Advantage round-up and quick facts.