Last Chance to Make Changes: The Final Day for Medicare Open Enrollment

The annual Medicare open enrollment period is the time when beneficiaries can review their existing coverage and make changes to their Medicare plans for the upcoming year. If you’re one of the millions of Americans enrolled in Medicare, it’s crucial to mark your calendar and understand the deadline for making these important decisions.

When is the last day for Medicare open enrollment? This year, the Medicare open enrollment period runs from October 15, 2023, to December 7, 2023. That means December 7th is the final day to make any changes to your Medicare coverage, which will take effect on January 1, 2024.

During this window of opportunity, you can:

  • Switch from Original Medicare to a Medicare Advantage plan (or vice versa)
  • Change from one Medicare Advantage plan to another
  • Enroll in a Medicare Part D prescription drug plan (if you have Original Medicare)
  • Switch from one Part D plan to another
  • Drop or make changes to your existing Medicare Part D coverage

It’s important to note that any changes made during the open enrollment period will become effective on January 1, 2024. If you miss the December 7th deadline, you’ll likely have to wait until the next annual open enrollment period to make modifications, unless you qualify for a Special Enrollment Period due to specific life events.

Why Review Your Medicare Coverage?

Your health needs and financial situation can change from year to year, making it essential to review your Medicare coverage annually. During the open enrollment period, take the time to evaluate your current plan and consider the following factors:

  • Premiums: Have the monthly premiums for your existing plan increased? Are there more affordable options available?
  • Deductibles and Out-of-Pocket Costs: Have the deductibles, copays, or coinsurance amounts changed? Are there plans with lower out-of-pocket maximums?
  • Provider Networks: Will your preferred doctors, hospitals, and pharmacies still be in-network next year?
  • Prescription Drug Coverage: Will your medications still be covered, and at what cost? Are there plans with better drug coverage?
  • Additional Benefits: Are there plans offering extra benefits like dental, vision, or hearing coverage that better suit your needs?

By carefully reviewing these factors, you can ensure that your Medicare coverage aligns with your current circumstances and provides the best value for your healthcare dollars.

Explore Your Options

Don’t let the open enrollment period pass you by without exploring all available options. Here are some resources to help you make an informed decision:

  • Medicare Plan Finder: Visit and use the Plan Finder tool to compare plans in your area based on your specific needs and preferences.
  • State Health Insurance Assistance Program (SHIP): Contact your local SHIP office for free, unbiased counseling and assistance in understanding your Medicare options.
  • Licensed Insurance Agents: Consider speaking with a licensed insurance agent who can guide you through the process and explain the differences between plans.

Remember, the open enrollment period is your opportunity to ensure you have the right Medicare coverage for the coming year. Don’t miss the December 7th deadline – take the time to review your options and make any necessary changes to protect your health and financial well-being.

Medicare Open Enrollment | What To Do During The Annual Election Period For Medicare


What is the cut off date for Medicare enrollment?

You can sign up between January 1-March 31 each year. This is called the General Enrollment Period. Your coverage starts the month after you sign up.

Can you still enroll in Medicare on December 7th?

Open Enrollment is Oct 15 – Dec 7: Review Your Medicare Options for 2024. Open Enrollment, also known as the Annual Election Period (AEP), is the period each year during which you may change your Medicare Advantage plan and/or Part D coverage, and/or return to Original Medicare. The AEP is October 15 – December 7.

What is the Medicare enrollment period for 2024?

State Open Enrollment Period for 2024 Plans
November 1, 2023 – January 31, 2024
November 1, 2023 – January 15, 2024
November 1, 2023 – January 16, 2024
October 15, 2023 – December 15, 2023

What are the 3 Medicare enrollment periods?

The three Medicare enrollment periods — initial, special and general — are specific time frames when you can enroll in Medicare based on certain circumstances, such as choosing to delay enrollment if you continue working past age 65. As such, you may qualify for more than one at different times in your life.

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