In certain situations, you may be able to join a Medicare Advantage Plan or Medicare Prescription Drug Plan at other times. For example
If you are eligible for a Medicare Advantage
Plan, you can also join or switch Medicare Advantage Plans from January 1 to March 31 of any year, but you can't join or drop Medicare prescription drug coverage during this time. For instance, if you are in a Medicare Advantage Plan with prescription drug coverage, you could return to the Original Medicare Plan, but you'd have to also join a Medicare Prescription Drug Plan at the same time. If you have questions about whether or not you can join or switch Medicare plans, call 1-800-MEDICARE (1-800-633-4227). TTY
users should call 1-877-486-2048.
Special Note for Joining Medicare Prescription Drug Plans:
If you don't join a Medicare drug plan when you are first eligible, you most likely will have to pay a higher Premium
that includes a Penalty
, unless you have had continuous Creditable Prescription Drug Coverage
. You will have to pay this penalty as long as you have Medicare prescription drug coverage. The next time you can join is from October 15--December 7 of next year, and your coverage won't start until January 1 of the following year.