The Open Enrollment Period runs from October 15^th to December 7^th, for coverage effective January 1^st. Unless you have a special circumstance, like moving to an area not covered by your current plan, Open Enrollment is the only time each year to drop or switch your plan coverage.

Know Your Options

Make sure you get clear, current, and complete information about the Medicare plans available to you. Alight’s Making Sense of Medicare guide provides a great overview. Here are the types of plans:

• Medicare Advantage Plans are a good value if you’re looking for all-in-one medical and drug coverage with low or zero monthly premiums. In most cases you’ll have no deductibles, and you’ll have a copay instead of coinsurance for most services. Medicare Advantage plans have an out-of-pocket maximum each year to help minimize your financial risk. Be sure to check the network to see if your doctors participate.
• Medicare Supplement Plans (also known as Medigap) help fill the “gaps” in Original Medicare. If you have a Medicare Supplement Plan, you can change plans anytime—you don’t have to wait until Open Enrollment. With this option, most people buy two separate plans—one for medical and one for prescription drugs—each with its own premium. A Medicare Supplement policy can help pay some of the costs Original Medicare doesn’t cover, like copays, coinsurance, and deductibles. You may choose any provider that accepts Medicare.
• Medicare Prescription Drug Plans are usually bought in addition to a Medicare Supplement Plan and can protect you from high drug costs. Some plans have pharmacy networks that offer discounted prices. Plans may also offer a mail-order pharmacy benefit.
• Vision and Dental Plans are also available, if your plan doesn’t have coverage.

Get Help

Through the Alumni Benefits Program, you can access Alight’s plan recommendation tool to help you choose the right Medicare plan for your needs.  This easy-to-use online tool gives you plan recommendations based on information you provide about your doctors, prescriptions, health needs, and location.

You can also consult with licensed advisors* who offer unbiased guidance based on your personal needs, so you can make informed decisions. They can also help you enroll in the plan of your choice.¹

The benefits of working with Alight extend through the future as your coverage needs change.  You can take advantage of advisory services, online resources, webinars, and future enrollment assistance—at no cost to you.

*Licensed insurance advisors

¹During the Open Enrollment Period, you may experience longer wait periods during peak hours, so it’s important to start your planning  early. You may need to schedule an appointment or request a call back.

Medicare has neither reviewed nor endorsed this information.

We do not offer every plan available in your area. Currently we represent 68 organizations nationally which offer 3932 products nationally. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The number of organizations and products available will vary by ZIP Code area and may be updated periodically. Any information we provide is limited to those plans we do offer in your area.

Alight Retiree Health Solutions is available through Alight Health Market Insurance Solutions Inc., a third-party marketing organization (TPMO), retained to promote or sell a plan sponsor’s Medicare products on the plan sponsor’s behalf who holds the contract with the Federal government. Alight Retiree Health Solutions represents Medicare Advantage (HMO, PPO, PFFS) organizations and stand-alone PDP prescription drug plans. Each of the organizations represented by Alight Retiree Health Solutions has a Medicare contract. Enrollment in any plan depends on contract renewal. Alight Health Market Insurance Solutions Inc. is contracted to represent insurance plans in your state. California Agency License Number: 0E97576, Arkansas Agency License Number: 100102657, DBA in North Dakota: Alight Health Market Insurance Solutions Inc, Fictitious Name in New York: Alight Health Market Insurance Agency.