The 2021 annual Medicare Open Enrollment Period (AEP
) ends at midnight tonight, Monday, December 7th.
During this final day of the 2021 AEP, you can still join,
your Medicare Part D or Medicare Advantage plan
After December 7th, most people will only have a
to change their 2021
Medicare prescription drug plan coverage before next year’s 2022 Medicare Part D
Advantage plan AEP.
For an overview of all 2021 Medicare Part D plans or Medicare Advantage plans
available in your area, you can use our Medicare Part D prescription drug plan finder (PDP-Finder
) or Medicare Advantage plan finder (MA-Finder
For example, here is our PDP-Finder showing all Medicare Part D
plans available in Texas (you can change the state to see plans in your
Here is an example of our MA-Finder
showing Medicare Advantage plans available in ZIP code 15205, Allegheny County,
PA (you can change the ZIP code to see plans in your area):
A few highlights of the new 2021 Medicare plan coverage:
Need someone to speak with about your Medicare plan options?
If you find yourself overwhelmed with all your 2021 Medicare plan choices,
you can always telephone Medicare at 1-800-633-4227 and choose to speak with a
Medicare representative. Once connected, ask the representative to help
you evaluate your 2021 Medicare Part D and Medicare Advantage plan options.
Should you decide to change Medicare plans, a Medicare representative can also
enroll you in any Medicare Advantage plan or Medicare prescription drug plan
directly over the telephone. The enrollment process only takes a few
minutes and includes an enrollment confirmation number (that you should write down to record your proof of enrollment).
Staying with the same Medicare Part D or Medicare Advantage plan into 2021?
No action is needed.
If you wish to stay in your current Medicare plan, you do not need to do
anything during the 2021 annual Open Enrollment Period and you will be automatically
re-enrolled into your existing Medicare plan for another year, along with
that your current 2020 Medicare plan may have made for 2021.
How is your 2020 Medicare plan changing in 2021?
Again, remember that your 2020 Medicare plan probably will have some changes in
2021 (new premium, new deductible, new drug coverage, new co-payments, different pharmacies, different doctors, different supplemental benefits) – so please be sure that you understand these changes – and be sure your
Medicare plan is still being offered in 2021.
You can use our online 2020/2021 Medicare Part D plan compare tool (PDP-Compare
) or 2020/2021 Medicare Advantage plan comparison tool (MA-Compare
) to provide you with a quick overview of
how any 2020 Medicare Part D plan or Medicare Advantage plan is changing in
What happens if my 2020 Medicare plan is no longer offered in 2021?
About 1.1 million people are currently enrolled in a 2020 Medicare Advantage plan that is being discontinued in 2021. If your Medicare plan is non-renewing or
being discontinued in 2021
consolidated or merged into another Medicare plan), and
you do not
Medicare Part D or Medicare Advantage plan during the AEP,
you could be without prescription coverage for all of 2021.
your plan is being discontinued, you will be granted a
starting December 8, 2020 through February 28, 2021 during which you can join any available 2021 Medicare
plan or Medicare Advantage plan.
Remember, if you use this Service Area Reduction Special Enrollment Period
(or SAR SEP),
your Medicare plan coverage
begins on the first day of the month following your enrollment. So if your 2020 plan is no longer offered in 2021, and you want coverage starting January 1st, you will need to submit an enrollment application on or before December 31st.
What can I do if I missed the 2021 AEP?
(1) You may be able to use a Special Enrollment Period to change your 2021 plan coverage outside of the AEP.
As noted above, if you are enrolled in a discontinued Medicare Part D or Medicare Advantage plan, you can use the SAR SEP
to join a 2021 Medicare plan.
If you were affected by a hurricane or fire or other natural disaster, you may be able to use the Natural Disaster Special Enrollment Period
that will allow you more time beyond December 7th to choose a 2021 Medicare Part D or Medicare Advantage plan.
You can click here
to read more about Special Enrollment
Periods -- with other situations allowing you to change Medicare plans outside of the AEP (or visit: https://Q1FAQ.com/561.html
(2) The Medicare Advantage Open Enrollment Period (MA-OEP)
begins on January 1 and continues through March 31st.
During the MA-OEP,
you will be granted another opportunity beyond the AEP to (1) switch
Medicare Advantage plans or (2) drop your Medicare Advantage plan and return to
original Medicare Part A and Part B, combined with a stand-alone Medicare Part
D prescription drug plan (PDP
Already looking toward 2022?
Sign up for our 2022 Medicare Part D Reminder Service.
If you would
like us to update you as information becomes available on the 2022 Medicare
Part D program, please
click here to
for our free 2022
email Reminder Service. And you can also
if you would like to receive our
periodic Medicare Part D Newsletter. As always, your email information will not be
shared with any third parties and there is no cost for our Reminder email or Newsletter.
Still have questions that we might be able to answer?
You can click on the following link and send us your question: