This is a second, smaller window that only applies to certain people.

📅 Dates:

January 1 – March 31 every year

Who can use it:

Only people who are already enrolled in a Medicare Advantage plan.

What you can do:

  • Switch to a different Medicare Advantage plan

  • Drop Medicare Advantage and return to Original Medicare
    (You can also add a Part D drug plan if needed.)

Important rules:

  • You can only make one change during this period.

  • You cannot join Medicare Advantage for the first time during this window.

Why These Dates Matter

Medicare plans change every year. Premiums, copays, drug coverage, provider networks, and extra benefits can all be different.

If you miss the right enrollment window:

  • You may be stuck in a plan that costs more

  • Your medications may not be covered the same way

  • Your doctors may no longer be in-network

  • You may have to wait months to make changes

Which OEP Should You Use?

  • Use October 15 – December 7 if you want the most flexibility and full access to plan changes.

  • Use January 1 – March 31 only if you are unhappy with your current Medicare Advantage plan and need to make one correction.

How to Prepare

Before any enrollment period:

  • Review your current plan

  • List your medications and dosages

  • Check your doctors and hospitals

  • Compare costs and benefits

A little preparation can prevent big problems later.

Final Thoughts

“OEP” doesn’t mean just one date—it depends on your situation.

  • October 15 – December 7: Main open enrollment for all Medicare users

  • January 1 – March 31: Special open enrollment only for Medicare Advantage members

Knowing which window applies to you helps you make the right move at the right time—and keep your healthcare working for you, not against you.