Important Dates

At Gallardo Insurance Services, we help navigate the different Medicare enrollment periods. The Pre-enrollment Period allows you to explore upcoming plan options, while the Annual Enrollment Period (AEP) lets you choose Medicare Advantage or prescription drug plans. The Medicare Advantage Open Enrollment is for existing plan holders to make changes. Special Enrollment Periods (SEPs) offer flexibility based on specific conditions or exceptions. We guide you through these periods to ensure you make informed decisions about your Medicare coverage.

Oct. 1 – Oct. 14 – Pre-enrollment Period:

During this period you can find out which Plans will be offered during the Annual Enrollment Period.


Oct. 15 – Dec. 7 – Annual Enrollment Period (AEP)

 ✔  You can enroll in a Medicare Advantage or prescription drug plan for the next calendar year.
 ✔  You can switch Medicare Advantage plans
  You can return to original Medicare and choose a Part D plan to go along with it


Jan. 1 – Mar. 31 – Medicare Advantage Open Enrollment

Only applies to people who already have a Medicare Advantage plan.

Enrollment/plan change options
 ✔ Switch from Medicare Advantage to Original Medicare plus a Part D plan
 ✔ Switch from one Medicare Advantage plan to another
 ✔ You can only make one change during this open enrollment period


Medicare Special Enrollment Period (SEP)

Is a special enrollment period based on certain conditions and exceptions. Some exceptions include:

 ✔  Moving from your plan’s service area
 ✔  Qualifying for Medicaid coverage.
 ✔ Losing eligibility for Medicaid coverage


During the special enrollment period you can enroll in a Medicare Advantage plan outside of the Annual Enrollment Period.

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