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AmoryCare has put together this comprehensive list of senior health, elder law, and financial terminology as it pertains to caring for an aging spouse or parent in New Jersey. Use this guide to explore articles and caregiver questions about providing care for older adults in the state.

How to Fix Your Medicare Coverage if You Missed the Open Enrollment Deadline

Updated: Dec 17, 2024

You’re not alone! Missing the Medicare Open Enrollment deadline can feel overwhelming. But don’t worry—there’s still hope! Here’s how you can save on coverage and boost your healthcare options, even if the deadline has passed.


1. Boost Your Coverage with Medicare Advantage Open Enrollment


Missed the Open Enrollment period? You still have a limited window of opportunity to make changes during the Medicare Advantage Open Enrollment Period (January 1 – March 31). During this time, you can switch from a Medicare Advantage Plan to another, or go back to Original Medicare (Parts A and B) with the option to add a Medicare Part D drug plan.


How does this help you? If your Medicare Advantage Plan no longer fits your needs, this could be the perfect time to fix it before the new year begins.


2. Maximize Your Benefits with Special Enrollment Periods (SEPs)


It’s not over yet! If you’ve experienced a qualifying life event (such as moving to a new address, losing health coverage, or gaining new coverage), you can make changes outside of the Open Enrollment period through Special Enrollment Periods (SEPs). This is your chance to fix any gaps in your coverage.

Don’t wait—take advantage of these proven opportunities now.


3. Fix Your Coverage with Medicare Supplement Plans


Worried about out-of-pocket costs? Medicare Supplement Insurance (Medigap) could be your solution. While you can apply for Medigap coverage outside of the Open Enrollment period, you may face restrictions, including higher rates based on pre-existing conditions.

However, if you qualify for guaranteed issue rights, you can’t be turned down for coverage, no matter your health status. You’ll want to act now to fix any gaps and protect your future health care.


4. Win Big with 5-Star Medicare Plans


Limited time alert: Medicare’s star ratings system helps you identify the best options. If you missed Open Enrollment, you can still switch to a 5-star Medicare Advantage plan or Medicare Cost Plan during a special 5-star enrollment period. These plans offer the highest quality, and now’s your chance to win the best coverage for your needs. But hurry—the window is only open until November 30.


5. Stop Struggling with High Drug Costs


If prescription drugs are draining your wallet, now is the time to fix your plan! Even if you missed the Open Enrollment, you can still adjust your coverage to save money on medications.

Talk to your doctor about alternative medications or generics that are covered by your plan. If your current plan isn’t covering the drug you need, you can even file an exception request with your provider for coverage on the preferred medication(s).


Don’t Wait—Act Now!

Stop waiting until next year’s Open Enrollment—fix your Medicare coverage today with these proven options. Whether you missed the deadline by mistake or due to unforeseen circumstances, there are plenty of guaranteed ways to get the coverage you need. Don’t let the system leave you stranded—take action today to save.


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