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2013 Medicare Advantage Guidebook
Initial Enrollment Period:
When you first become eligible for Medicare (the seven-month period
that begins three months before the month you turn age 65, includes
the month you turn age 65, and ends three months after the month you
turn age 65).
Open Enrollment Period:
Between October 15th through December 7th 2012. Your coverage
will begin on January 1st of 2013, as long as the plan gets your
enrollment request by December 7th.
During this time you can:
• Change from Original Medicare to a Medicare Advantage Plan.
• Change from a Medicare Advantage Plan back to Original
• Switch from one Medicare Advantage Plan to another Medicare
• Switch from a Medicare Advantage Plan that doesn't offer drug
coverage to a Medicare Advantage Plan that offers drug coverage.
• Switch from a Medicare Advantage Plan that offers drug coverage
to a Medicare Advantage Plan that doesn't offer drug coverage.
• Join a Medicare Prescription Drug Plan.
• Switch from one Medicare Prescription Drug Plan to another
Medicare Prescription Drug Plan.
• Drop your Medicare prescription drug coverage completely.
Special Enrollment Periods:
In most cases, you must stay enrolled for that calendar year starting
the date your coverage begins. However, in certain situations, you
may be able to join, switch, or drop a Medicare Advantage or
Prescription Drug Plan at other times. Some of these situations
include the following:
•If you move out of your plan's service area.
•If you have both Medicare and Medicaid.
•If you qualify for Extra Help to pay for your prescription drug costs.
•If you live in an institution (like a nursing home).
If you get Medicare due to a disability, you can join during the three
months before to three months after your 25th month of disability. You
will have another chance to join three months before the month you
turn age 65 to three months after the month you turn age 65.
Call our toll-free number or fill out the Quick web form to get Medicare
Advantage Plan Information or Question Answered. We can answer
any questions you may have to help you understand the plan
differences and we will gladly assist you through the enrollment
process. Choosing you policy can be as simple as 1-2-3 with our
highly skilled and qualified staff of Medicare Advisors.
Call our toll-free number or fill out the Quick
web form to get the Medicare Advantage
Information requested. Ask any questions you
may have to help you clarify the plan
differences and we will assist you through the
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You can join, switch, or drop a California
Medicare Advantage or Prescription Drug
Plan at these times:
Medicare Advantage Plans for