• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Enrollment – What You Need To Know.

One of the most popular Medicare Enrollment opportunities starts October 15 each year. While commonly known as the Medicare Open Enrollment period, it’s also called the Annual Election Period.

You might be surprised to know there are four other enrollment periods that are equally as important.

While all five enrollment periods may not apply to your current situation, it’s important to have an understanding of when they take place. If you miss an enrollment opportunity, there can be penalties and waiting periods.

Our Medicare Enrollment – What You Need To Know article will explain the important details and information you’ll need to understand.

Initial Enrollment Period

The Initial Enrollment Period is a 7 month window of time that you can first sign up for Part A and/or Part B.

Beginning 3 months before the month you turn 65. It includes your birthday month and ends 3 months after the month you turn 65.

If you sign up for Part A and/or Part B during the first 3 months of your Initial Enrollment Period, your coverage starts the first day of your birthday month.

However, if your birthday month is on the first day of the month, your coverage will start the first day of the prior month.

Your Medicare coverage start date will be delayed If you decide to enroll in Part A and/or Part B during your birthday month or during the last 3 months of your Initial Enrollment Period.

Medicare Part A and the Initial Enrollment Period

Many people receive Part A (hospital insurance) for free. This happens if you or your spouse paid enough Medicare taxes while working. If you want Part A, sign up for it during the Initial Enrollment Period.

If you have to buy Part A, you must do it during your Initial Enrollment Period. If you don’t, your monthly premium may go up 10% every 12 months you didn’t have the coverage in place.

The higher premium stays in place for twice the number of years you could’ve had Part A, but didn’t sign up.

Medicare Part B and the Initial Enrollment Period

Most people ARE NOT automatically enrolled in Part B. It’s really, really, important to pay attention to this enrollment period.

If you don’t sign up for Part B when you are first eligible, you may have to pay a late enrollment penalty for as long as you have Part B.

Your monthly premium for Part B may go up 10% for each full 12 month period that you could’ve had Part B, but didn’t sign up for it.

Exception to the rule…

If you are still covered under group employer health insurance, you can delay enrolling in Part B. You won’t be penalized if you enroll after losing group coverage. Once group coverage ends, you have eight months to sign up for Part B without a penalty.

Medicare Part C and the Initial Enrollment Period

You can sign up for a Medicare Advantage Plan during your Initial Enrollment Period.

If you don’t sign up during the Initial Enrollment Period, you have to wait until the Annual Election Period (October 15 – December 7) to sign up.

Signing up during the Annual Election Period means your coverage will begin on January 1.

Medicare Part D and the Initial Enrollment Period

Likewise, you can sign up for your Part D (Prescription Medicare Drug Plan) when you first become eligible for Medicare.

If you don’t sign up during the Initial Enrollment Period, you have to wait until the Annual Election Period (October 15 – December 7) to sign up. Which in turn means your coverage will begin on January 1.

Also note, that not signing up for Part D when you are first eligible could result in a penalty.You will receive financial penalties if you have gone for more than 63 days without other drug coverage. And, if you had drug coverage, it must be considered as good as Part D.

General Enrollment Period

Let’s say for some reason you didn’t sign up for Part A (if you have to buy it) and/or Part B during your Initial Enrollment Period. You then decide later to enroll. If you’re not eligible for Special Enrollment, your only opportunity is during the General Enrollment Period. This runs between January 1 – March 31 each year.

And, even if you sign up on January 1, coverage doesn’t begin until July 1 of that year.

In addition, you may have to pay a higher premium for late enrollment.

Special Enrollment Period

With many people employed beyond age 65, this enrollment period is particularly important. Especially if you or your spouse are still working and covered under an employer sponsored health plan.

If you didn’t sign up for Part B when you were first eligible because you’re covered under a group employer health plan, you can sign up for Part A (if you need to buy it) and/or Part B:

  • Anytime you’re still covered by the group health plan.
  • During the 8 month period that begins the month after the employment ends or the coverage ends, whichever happens first.

The good news is that most people eligible for Special Enrollment don’t pay a late enrollment penalty.

Medigap Open Enrollment

This is a one and done opportunity. Don’t let it slip away!

It lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B.

During this period of time, an insurance company can’t use medical underwriting to determine if you can buy a policy with them.

Regardless of your current or past health problems, Medigap companies can’t refuse to sell you any Medigap policy it offers.

They also cannot charge you more for a Medigap policy than they charge for someone with no health problems.

However, once the Medigap Open Enrollment period ends, it’s done.

Moving forward you have to answer health questions on the Medigap application.

If you can’t pass medical underwriting, insurers can refuse to sell you a policy.

That’s why it’s SO important to take advantage of this opportunity!

Annual Election Period (aka Open Enrollment Period)

This period of time can be very confusing because of all the advertisements you see on TV, on Facebook, in your email, and mailbox.

It runs from October 15 – December 7 each year and pertains to Part C (Medicare Advantage Plans) and Part D (Medicare prescription drug) plans.

Don’t be confused by the term Open Enrollment Period.

If you want Medigap during this time period, that’s fine, but if it’s not YOUR Medigap Open Enrollment period, you have to go through underwriting.

That’s because Medigap isn’t a government subsidized program like Part C (Medicare Advantage) and Part D (Medicare prescription drug).

This period of time is used to change your Medicare Part D plan coverage for the following year (if you want).

If you have a Medicare Advantage Plan, this is the period of time to change coverage for the following year (if you want).


Thank you for reading our article Medicare Enrollment – What You Need To Know. At REMEDIGAP, we provide the tools you need to make informed decisions about your Medicare benefits. We’re happy to work with you at your comfort level. Many people prefer to ask questions without picking up the telephone. We understand. That’s why we offer several contact options. So, whether you have many questions or none at all, we tailor our approach to meet your needs.

To keep up with news about Medicare and Medigap follow us on Facebook.

  • Call us at 888-411-1329
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Additional Resources:

Who Sells the Best Medigap Insurance Plans?

Is Buying Medigap Plan F a Good Idea?

The Difference between Plan F and Plan G

Call (888) 411-1329 for your free consultation today!

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