AEP and OEP are not the same thing, and both come with a hard deadline. See the exact dates, what you're allowed to change in each, and why reviewing your coverage matters even if you're happy with your current plan. All appointments handled by phone.
Know exactly which one applies to your situation.
Full changes allowed — switch Medicare Advantage plans, move to or from Original Medicare, change your Part D drug plan.
One plan switch only, for people already in a Medicare Advantage plan — switch to a different MA plan, or back to Original Medicare.
Whether your plan still fits or you're not sure, AEP is the window to make a full review and change if needed.
If AEP passes and something still doesn't feel right, OEP gives you one more chance to switch.
Worth a second look — plans can change costs and coverage every year, even for satisfied members.
Understanding both windows clearly now is the best way to make sure that doesn't happen again.
Help gets harder to reach the closer AEP gets to its December 7th deadline.
OEP only allows one limited switch, not a full re-shopping of coverage the way AEP does.
Even without any life changes, the plan itself can change costs, drug coverage, and provider networks every year.
Your plan can change even if you do nothing. Every year, Medicare Advantage and Part D plans can adjust costs, covered drugs, and provider networks — which is why reviewing coverage every AEP is worth doing, even if you loved your plan last year.
October 15 through December 7 each year — full changes allowed to Medicare Advantage, Original Medicare, and Part D coverage.
January 1 through March 31 each year — available only to current Medicare Advantage enrollees, allowing one plan switch.
AEP allows full changes for anyone. OEP is more limited, only for current MA enrollees, allowing just one switch.
Yes — costs, covered medications, and provider networks can all change annually, even without any action on your part.
You'll generally need to wait for OEP (if eligible) or a qualifying Special Enrollment Period to make changes.
A quick phone conversation is the easiest way to find out if your current plan still fits. No office visit needed.