Medicare Open Enrollment: October 15 – December 7
Open enrollment for all Medicare beneficiaries is quickly approaching! This is the time for you to review, change or renew your current coverages. Medicare Supplement plans automatically renew during this time, but the following changes can be made:
- You may change your Medicare Advantage or your Part D RX plan
- You may switch from Original Medicare into a Medicare Advantage plan
- You may drop your Advantage Plan and return to Original Medicare and add a Medicare Supplement and a Part D plan.
All changes made during this time will be effective January 1, 2025. The following forms are required and due to CMS guidelines, we must now update consent/Scope of Appointment forms annually. If you have not already schedule your appointment with your Elite Medicare Agent, please reach out to our office at 904-527-1304.
Marketplace/ACA Open Enrollment: November 1 – December 15
Open Enrollment is the annual period to find, change, or update your health insurance coverage and all policies will become effective January 1, 2026. There have been numerous changes this year that will affect your Open Enrollment.
- There is a shorter timeframe to get changes updated, so please contact our office to get an appointment scheduled ASAP.
- All members must update their data and income information and there will be no passive renewals for zero dollar plans.
- Consent forms are required annually and must be completed prior to appointments.
- Tax Credits that were expanded during COVID may expire at the end of December and could affect health insurance premiums for 2026.
- Several carriers are exiting the Health Insurance market and members may be moved to a plan that they did not choose, if they do not select and enroll in a new plan.
- Tax Reconciliation is being enforced and if you have not filed taxes for two years that you have received premium tax credits, your subsidy will expire and you will have to pay the full amount of your Health premiums until that has been reconciled.
- More documentation may be required. If you have lost coverage, been declined Medicaid or have had any change, please save all your documentation and have items like dates of birth and social security numbers readily available or enrollments cannot be completed.
We know there has been a lot of information and some misinformation regarding Open Enrollment but our licensed agents are ready to help assist you with this process. The following forms below are required to be completed and there may be extra steps to consent to your complete your enrollment. Please reach out to our office at 904-527-1304 to schedule your appointment now.