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You can enroll in a Medicare plan during one of the following four enrollment periods:
Read more about each of these enrollment periods in the questions below. You can also visit our Unpacking Medicare enrollment page for more information.
The Initial Enrollment Period (IEP), or IEP, is a 7-month period of time that you can enroll in Medicare. Your personal IEP centers around the “qualifying event” that makes you eligible for Medicare.
Your Initial Enrollment Period (IEP):
Your qualifying event may be your 65th birthday1; or — if you are under 65 and have a qualifying disability — it may be your 25th month of receiving certain government disability benefits.2
1If your birthday falls on the first of any month, your 7-month IEP begins and ends one month sooner. For example, if your birthday is July 1, your 7-month IEP is the same as if you were born in June — beginning in March and ending in September.
2If you join during one of the 3 months before your 25th month of disability benefits from Social Security or the Railroad Retirement Board, your coverage will begin the first day of your 25th month of entitlement to disability payments.
Medicare’s Annual Enrollment Period begins October 15 and ends December 7 of each year. The choices you make generally take effect January 1 of the following year.
During AEP you may:
Open Enrollment takes place from January 1 through March 31 annually. It allows individuals enrolled in a Medicare Advantage plan to make a one-time election to go to either another Medicare Advantage plan or Original Medicare.
The Special Enrollment Period (SEP) reasons listed above are examples and do not include every situation that may qualify for SEP enrollment.
You may join, switch or cancel your current Medicare plan during Medicare's Annual Enrollment Period (AEP), or if you meet certain circumstances during Open Enrollment Period (OEP). You may also make changes to your Medicare coverage during a Special Enrollment Period (SEP), when certain events happen in your life.
For more information on what you can do during different enrollment periods, see the previous questions on this page.
When you enter an enrollment period, there are a few steps you can take to enroll. You can choose one of the following Medicare enrollment options:
The Part D late enrollment penalty is an amount that’s permanently added to your monthly Part D premium if:
For more information, please refer to your Evidence of Coverage.
Enter a ZIP code to find an Aetna Medicare plan near you.
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Aetna handles premium payments through InstaMed, a trusted payment service.
Aetna handles premium payments through InstaMed, a trusted payment service.
Aetna handles premium payments through InstaMed, a trusted payment service. Your InstaMed log in may be different from your Caremark.com secure member site log in.
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Resources For Living is not available for members with Aetna Part D (prescription only) plans, Dual Eligible Special Needs Plans (D-SNPs), Chronic Condition Special Needs Plans (C-SNP), Institutional Special Needs Plans (I-SNPs) or Medicare Supplement plans.
These examples are based on the actual experiences of members who have used Resources For Living. We’ve changed their names and some details to help protect their identities.
These examples are based on the actual experiences of members who have used Resources For Living. We’ve changed their names and some details to help protect their identities.
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