Medicare Open Enrollment is an important time to review options to determine which available plan is right for you.

When can you join, switch, or drop a plan?

You can join, switch, or drop a Medicare Health Plan or a Medicare Advantage Plan (Part C) with or without drug coverage during these times:

  • Initial Enrollment Period. When you first become eligible for Medicare, you can join a plan.
  • Annual Enrollment Period. From October 15 – December 7, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).
  • Medicare Advantage Open Enrollment Period. From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time.

Medicare options can be confusing and sure, you can do this on your own starting with the CMS website, but brace yourself: it’s no simple trick to understand the differences and cost. Medicare is not “one-size-fits-all”.

Go easy on yourself and let one of our qualified agents at One Senior Place assist you with your Medicare options.

In Brevard:

Florida HealthCare Plans
Sherri Hosmer, Insurance Specialist

Viera Insurance Professionals
Mike Kowalchuk, President

In Greater Orlando:

Florida Blue McBride Insurance Agency
Lena Santiago, Agent

LTC Advisors
Teresa Risner, President
Rob Rycyk, Agent
Sandra Stanley, Agent

Medicare Plan Options
Joe Santiago, Agent

WellCare Health Plans, Inc.
Nestor Lopez, Medicare Advisor


Interested in reading more? See our Ask One Senior Place articles:

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Q: Can someone to explain Medicaid to me? How do I know if I qualify for benefits?


For more information or to schedule a free consultation with a One Senior Place aging expert, call 321-751-6771 in Brevard and 407-949-6733 in Greater Orlando.