Why OEP Matters: A Second Chance to Get Your Medicare Plan Right
The start of a new year always brings fresh goals — and for many people on Medicare, it also brings a second chance to make things right with their coverage.
That’s what the Medicare Open Enrollment Period (OEP) is all about.
From January 1 to March 31, you have the opportunity to adjust your Medicare Advantage plan if something just isn’t working the way you expected.
When Your Plan Doesn’t Fit the Way You Hoped
Every fall, during the Annual Enrollment Period, thousands of people choose a plan that looks great on paper — maybe the premium was lower, or it included some nice extras. But once January rolls around, reality sets in:
The doctor you like isn’t in-network after all.
The prescriptions you take cost more than you thought.
The dental or vision benefits aren’t as helpful as you expected.
If any of that sounds familiar, OEP gives you a do-over.
What You Can Actually Do During OEP
OEP isn’t a full reset, but it does let you:
👉 Switch from one Medicare Advantage plan to another, or
👉 Drop your Advantage plan and return to Original Medicare (and add a Part D drug plan if needed).
That’s it — simple and straightforward.
And the best part? Any change you make goes into effect the very next month.
Why Reviewing with a Local Agent Matters
Online searches and TV ads can make Medicare feel overwhelming.
That’s why working with someone local who has knowledge about the hospitals nearby, and the plans available in Cache Valley — makes a difference.
When you meet with me at Great Choice Benefits, I walk you through your options side-by-side, comparing your doctors, prescriptions, and coverage needs — so you can make a confident choice, not a rushed one.
A Quick Tip from us
Even if you’re happy with your current plan, it’s still worth checking in during OEP. Many clients are surprised to find new 2025 benefits or cost changes they weren’t aware of. Sometimes you don’t need to switch — you just need to confirm you’re still in the best spot.
🟦 Frequently Asked Questions About OEP
1. What’s the difference between AEP and OEP?
The Annual Enrollment Period (AEP) happens each fall, from October 15 to December 7, and it’s when anyone with Medicare can make coverage changes for the upcoming year.
The Open Enrollment Period (OEP) runs from January 1 to March 31 and is only for people currently enrolled in a Medicare Advantage plan who want to make one switch or return to Original Medicare.
2. Can I switch from Original Medicare to Medicare Advantage during OEP?
No. OEP only allows changes from one Advantage plan to another, or from Advantage back to Original Medicare.
If you’re on Original Medicare and want to join an Advantage plan, you’ll need to wait for AEP or a Special Enrollment Period (SEP).
3. What if I miss the OEP deadline?
If you don’t make changes by March 31, you’ll typically have to wait until the next AEP in the fall unless you qualify for a Special Enrollment Period (for example, if you move, lose coverage, or qualify for Extra Help).
4. When do OEP changes take effect?
Any change made during OEP takes effect on the first day of the month after your new application is processed.
For example, a change made in February starts on March 1.
5. Do I need to review my plan even if I’m satisfied?
Yes — plans change every year. Your premiums, copays, or provider networks could shift.
A quick annual review ensures there are no surprises and your benefits still align with your health and lifestyle.
Let’s Take a Fresh Look at Your Coverage
If your current plan isn’t checking all the boxes, don’t wait until next year to fix it.
Let’s review your Medicare coverage together and make sure you’re set for 2025 — with no surprises, no confusion, and no pushy sales talk.
📞 435-409-4436 | 🌐greatchoicebenefits.com
