Switching Medicare Plans During AEP: What Agents Need to Know
Each year, the Medicare Annual Enrollment Period (AEP) gives clients the chance to review their Medicare coverage and switch plans. Clients look to you for guidance, clarity, and confidence as they consider switching Medicare plans during AEP.
At Midwestern Marketing, we’ve helped thousands of agents support seniors through this process. Whether you’re new to Medicare sales or a seasoned pro, here’s your agent-friendly guide to mastering Medicare plan changes during AEP.
What Is the Medicare Annual Enrollment Period (AEP)?
When Does AEP Take Place?
AEP runs from October 15 to December 7 every year. During this window, Medicare beneficiaries can make important changes to their health and drug coverage for the upcoming year.
Who Can Make Changes During AEP?
Anyone enrolled in Medicare Part A and/or Part B can make plan changes during AEP. This includes those with Medicare Advantage (Part C) or a standalone Prescription Drug Plan (Part D).
Common Reasons Clients Switch Plans
Clients change plans for several reasons:
- Lower costs or better coverage
- New preferred doctors or pharmacy networks
- Updated drug formularies
- Unsatisfactory health insurance performance
- Life events that change their healthcare needs
As an agent, understanding these motivations helps you recommend the right coverage options for your clients.
What Types of Medicare Plans Can Clients Switch?
Medicare Advantage (Part C)
Medicare Advantage, or Part C, is an all-in-one alternative to Original Medicare (Parts A and B). These health plans are offered by private insurance companies approved by Medicare. Clients can switch from one Medicare Advantage plan to a different Medicare Advantage plan or return to Original Medicare. They can also join a plan with or without drug coverage.
Medicare Prescription Drug Plans (Part D)
Medicare Part D plans provide prescription drug coverage and are separate from Original Medicare. These are stand-alone drug plans that clients can pair with Original Medicare or a Medicare Supplement (Medigap) plan. Beneficiaries with Original Medicare can switch from one Part D plan to another to get better drug coverage or reduce monthly premiums.
Switching Back to Original Medicare
If a client decides to leave their Medicare Advantage plan, they can go back to Original Medicare. Depending on their situation, they may also purchase Medicare Supplement insurance, also known as Medigap, although underwriting may apply.
Key Deadlines and Rules for Switching Plans During AEP
AEP Start and End Dates
October 15 is the first day beneficiaries can switch their plan. All changes must be submitted by December 7.
Effective Dates for New Plans
New plans go into effect on January 1 of the following year, as long as enrollment is completed by the deadline.
Late Enrollment Penalties and Considerations
Enrollees may face penalties if they don’t enroll in a drug plan when first eligible and don’t have creditable coverage. Always check each client’s situation to help them avoid extra costs.
How to Help Clients Choose the Right Medicare Plan
Reviewing Current Coverage and Costs
Start by reviewing your client’s Annual Notice of Change (ANOC). Compare their current plan with upcoming changes in premiums, deductibles, copays, and drug lists.
Comparing New Plan Options
Use Medicare tools or comparison platforms to identify better options. Look for plans that match the client’s healthcare needs, preferred providers, and budget.
Avoiding Common Mistakes When Switching
Double-check formularies, provider networks, and coverage limits. Don’t forget to confirm that new plans meet your client’s prescription needs and preferred doctors.
Tips for Communicating with Clients During AEP
Clear Explanations for Coverage Changes
Avoid jargon. Use plain language to explain changes in plan benefits, costs, and what those changes mean for your client.
Using Decision-Making Tools and Resources
Medicare.gov, plan comparison charts, and third-party tools can simplify the decision-making process for clients and reduce confusion about Medicare programs.
Following Up After Plan Selection
Once a client switches plans, follow up to ensure they received confirmation and ID cards. Your post-enrollment service can turn clients into long-term referrals.
What Happens After Clients Switch Plans?
Enrollment Confirmation and Timelines
After enrollment, clients should receive a confirmation letter and plan documents by early January. If they haven’t, help them follow up with the plan provider.
Access to New Plan Benefits
Benefits under the new plan begin January 1. Encourage clients to review their Evidence of Coverage (EOC) to understand how to access services.
Handling Client Questions Post-Enrollment
Be available for support. Clients may need help with setting up primary care, understanding copays, or navigating their new plan benefits.
The Bottom Line for Agents
Switching Medicare plans during AEP doesn’t have to be overwhelming—for you or your clients. With clear communication, up-to-date resources, and trusted support, you can guide beneficiaries toward smarter choices and better outcomes.
At Midwestern Marketing, we equip agents with the tools, training, and technology to succeed during AEP and beyond.
Reach out today to learn how we can support you this enrollment season.
Let’s help more clients make confident Medicare decisions—together.
Midwestern Marketing is a true FMO where a handshake still means something. We value our agents and take service and contracting to a new level. The teamwork and principles by which we operate are reflected in the thousands of agents we serve nationwide. Feel free to call 877-278-3775 or email us at info@midwesternmarketing.com. We are certain we can help you grow your business!