Enrolling, Switching and Dropping a Medicare Drug Plan

Enrolling, Switching and Dropping a Medicare Drug Plan:
You may enroll in a Medicare Part D plan by calling Medicare at 1-800-633-4227 or by going online at www.medicare.gov . You may also contact the insurance carrier directly. The annual enrollment period is October 15 - December 7, with coverage taking effect January 1 and ending December 31 of the following year. In the following situations, you may join, switch or drop a Part D plan at other times: if you move out of your plan's service area, if you lose drug coverage under your retirement or union benefit plan, if you qualify for low-income assistance or if you move to an assisted living or nursing home facility.

You should enroll in a Part D plan when you first become eligible for Medicare at age 65. If you do not, you must wait until the next open enrollment period. You will then have to pay a higher monthly premium that increases for every month you have delayed enrollment.

Every year, as the open enrollment period approaches, you should compare your current Part D plan's benefits for the next year to those offered by other plans. Each year, insurance companies change the cost and coverage of their plans, and you may want to switch to another plan in the coming year. You can do this by contacting the insurance company in whose plan you wish to enroll, or the Medicare customer service line or website previously listed. Your new insurance plan will mail you a membership care and enrollment materials. You do not need to notify your current Part D plan provider. You will be automatically dropped from that plan when coverage in your new Part D plan begins.