What You Need to Know About Medicare Enrollment Periods in Missouri

Missouri residents must be aware of various Medicare enrollment periods to avoid penalties and gaps in coverage. Understanding these critical timeframes ensures that you don’t miss your chance to enroll or make necessary changes to your coverage.

Key Enrollment Periods

1. Initial Enrollment Period (IEP):

   • This is your first opportunity to enroll in Medicare when you turn 65. The IEP begins three months before your 65th birthday and ends three months after your 65th birthday. If you sign up during this period, your Medicare coverage will begin as soon as possible, and you’ll avoid late penalties.

2. General Enrollment Period (GEP):

   • If you miss your IEP, the GEP provides another chance to enroll in Medicare. The GEP runs from January 1 to March 31, with coverage starting on July 1. Keep in mind that enrolling during the GEP may result in a late enrollment penalty.

3. Special Enrollment Period (SEP):

   • If you have employer-based coverage when you turn 65, you can delay enrolling in Medicare without facing penalties. You’re eligible for a Special Enrollment Period once you lose your employer coverage. SEPs last for eight months after you lose your job-based health insurance.

4. Open Enrollment Period (OEP):

   • The Open Enrollment Period runs from October 15 to December 7 each year. During this time, you can make changes to your Medicare coverage, including switching from Original Medicare to a Medicare Advantage plan or adding or changing your Part D prescription drug coverage.

5. Medicare Advantage Open Enrollment (MA OEP):

   • This runs from January 1 to March 31 for those already enrolled in a Medicare Advantage plan. You can switch to another Medicare Advantage plan or return to Original Medicare during this period.

Contact Us

At Riverside Insurance Professionals, we’re here to guide you through the Medicare process in Missouri. Our licensed agents are ready to answer your questions and help you select the best plan. If you need assistance, feel free to reach out:

• Phone: (573) 535-6044

• Email: Jennifer@riversideinsuranceprofessionals.com

• Office Hours: Monday – Friday, 9:00 AM to 5:00 PM

For additional official Medicare resources, visit the Medicare Eligibility & Enrollment page on Medicare.gov.