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Enrolling in Medicare Online: The DOs and DON'Ts

You take your healthcare coverage seriously, and so do we. Here are a few pointers for making Medicare online enrollment a little easier.

DON’T: Miss out on benefits

Each Medicare plan in your area has different benefits. If you don’t review plans from different carriers, you may miss out on benefits you need but didn’t know were available, sometimes even at no additional cost.

DO: Compare plans

If you only receive quotes from one insurance provider, you won’t get the full picture of every plan that’s available to you. It’s easy to compare plans from multiple providers in your area using the Medicare Online Enrollment Portal. With a side-by-side comparison, you can quickly see how your options stack up.

DON’T: Pay a fee

Insurance companies can’t charge you a fee for enrolling in a Medicare plan. If there’s any indication you may be charged an amount beyond your plan premiums, you may not be on a reputable website.

DO: Use a secure site

To enroll in Medicare online, you must enter personal information, including your Medicare or Social Security Number, as well as other identifying information. You want that information to stay private online, which means you want to find a secure website. Be sure to look for a site that uses SSL encryption for transferring your information. You can recognize these sites because of the “https” in the URL and the closed padlock icon that appears next to the URL on most browsers.

DON’T: Miss your window

Medicare enrollment isn’t open at all times for all people. If you miss your enrollment period, you could be stuck with just Original Medicare (Parts A and B) or have to remain in your current plan until the next enrollment period. Complications like that can be expensive and frustrating.

DO: Know your enrollment periods

There are four major Medicare enrollment periods:

Initial Enrollment Period (IEP) — A seven-month period that extends three months before and after your 65th birthday. Throughout this enrollment period, you’re eligible to sign up for Original Medicare, a Medicare Advantage Plan, and a Medicare Supplement Plan.

Annual Enrollment Period (AEP) — This enrollment period occurs annually from October 15 – December 7. You can enroll in, change, or drop Medicare plans during this period.

Open Enrollment Period (OEP) — From January 1 – March 31, individuals can make one change between Medicare Advantage Plans or change from a Medicare Advantage Plan to Original Medicare only.

Special Enrollment Period (SEP) — These enrollment periods are triggered by specific conditions, such as moving, losing health coverage or being affected by a declared emergency like a hurricane or earthquake.

Get Help with Medicare Online Enrollment

Try the Medicare Online Enrollment Portal today for a secure, convenient way to find, compare, and enroll in Medicare Advantage Plans.

If you have questions about Medicare plans or enrollment, our Medicare Advocates are standing by to help! Just call us at 1-800-991-4407 / TTY 711 from 10 a.m. to 9 p.m. Eastern, Monday to Friday for your no-cost personal consultation.