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Getting Ready


IF YOU'RE NEW TO MEDICARE:
 
 
 
Initial Enrollment Period (IEP)
You can initially sign up for Medicare during a seven-month window known as your "Initial Enrollment Period."

General Enrollment Period
If you didn’t sign up for Medicare when you were first eligible AND you aren’t eligible for a Special Enrollment Period (see below), you can sign up during the General Enrollment Period between January 1 and March 31 each year. You may only enroll in Original Medicare at this time.

Please note: You may have to pay a higher premium for late enrollment in Part A and/or a higher premium for late enrollment in Part B.

Special Enrollment Period (SEP)
If you didn't sign up for Part B (or Part A if you have to buy it) when you were first eligible because you're covered under a group health plan, based on current employment (your own, a spouse's, or if you're disabled, a family member's), you can sign up for Part A and/or Part B:
  • Anytime you’re still covered by the group health plan
  • During the 8-month period that begins the month after the employment ends or the coverage ends, whichever happens first
Medicare Supplement Open Enrollment (Medigap)
If you’re interested in a Medicare Supplement (Medigap) plan, your Open Enrollment Period is a six-month window that begins on the first day of the month in which you’re 65 or older and enrolled in Part B. (Some states have additional Open Enrollment Periods.)

IF YOU'RE ALREADY ON MEDICARE:
 
 
 
Annual Enrollment Period (AEP)
The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. This is the time when you can make changes to your Medicare health plan and prescription drug coverage for the following year. Outside of this period, you cannot make changes to your Medicare coverage, unless you qualify for a Special Enrollment Period.

Please note: If you are already enrolled in a Medicare Supplement plan (Medigap policy), you can make changes at any time during the year.

Special Enrollment Period (SEP)
In certain situations, you may qualify for a Special Enrollment Period (SEP) where you can join, switch, or drop a Medicare Advantage plan or Medicare prescription drug plan. These situations include:
  • Changing where your live
  • Losing your current coverage
  • If your plan changes its contract with Medicare
  • If you’re eligible for both Medicare and Medicaid
Open Enrollment Period (OEP)
In 2019, a new Medicare Advantage Open Enrollment Period will run from January 1 – March 31 every year. If you’re enrolled in a Medicare Advantage plan, you’ll have a one-time opportunity to:
  • Switch to a different Medicare Advantage plan
  • Drop your Medicare Advantage plan and return to Original Medicare, Part A and Part B
  • Sign up for a stand-alone Medicare Part D Prescription Drug Plan (if you return to Original Medicare). Most Medicare Advantage plans include prescription drug coverage already. Usually you can’t enroll in a stand-alone Medicare Prescription Drug plan if you already have a Medicare Advantage plan, but there are some situations where you can.
  • Drop your stand-alone Medicare Part D Prescription Drug Plan

If you’re uncertain about whether or not you qualify, give us a call at 833.600.6727, and we'll be happy to help.
Other exceptions and enrollment periods may apply, which are ultimately determined by Medicare.

OUR CONTACT INFO
25B Hanover Road,
Suite 220
Florham Park, NJ 07932
833.600.6727
(TTY/TTD:711)
9am - 5pm, Monday - Friday
 
 
 
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Last Updated: 10/1/2020
MULTI_PLAN_HM_91545_2021 Accepted 9/28/2020
Attention: This website is operated by Savoy and is not the Health Insurance Marketplace website. In offering this website, Savoy is required to comply with all applicable federal laws, including the standards established under 45 CFR § 155.220(c) and (d) and standards established under 45 CFR § 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

Medicare Advantage and Prescription Drug Plans are HMO, PPO, and PDP plans with a Medicare Contract. Enrollment in Medicare Advantage and Prescription Drug Plans depends on the plan's contract renewal with Medicare.

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. You must continue to pay your Medicare Part B premium.

Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.

The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

Medicare Advantage organizations and/or Medicare Part D plan sponsors comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year.

This is not a complete listing of plans available in your service area. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

ATENCIÓN: Si habla espanol, hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al 833.600.6727 (TTY/TDD: 711) 9am - 5pm, Monday - Friday

請注意:如果您講,可免費向您提供語言協助服務。請致電 833.600.6727 (聽力語言殘障服務專線:711) 9am - 5pm, Monday - Friday

This information is available for free in other languages. Please call our customer service number at 833.600.6727 (TTY/TDD: 711) 9am - 5pm, Monday - Friday

A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.

Medicare beneficiaries may also enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

Every year, Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

You are not required to provide any health related information unless it will be used to determine enrollment eligibility.

Sales agents/producers may be compensated based on your enrollment in a health plan.

Cost Estimates are based on the information shown under My Information, using data about past experiences by beneficiaries with similar attributes and the premiums and benefits provided by the plan. Actual costs may vary. Monthly medical costs are represented by annual figures divided evenly per month.