There are rules that control when you can enroll in a dual health plan. When you first become eligible for Medicare, you’ll have an Initial Enrollment Period (IEP). Your IEP is the 7-month period that:
- Begins 3 months before the month you turn 65
- Includes the month you turn 65
- Ends 3 months after the month you turn 65
If you have a qualifying life event, you can enroll using a Special Enrollment Period (SEP). Moving or losing your insurance coverage are just 2 examples of qualifying life events. But the time you have to enroll may be different depending on the reason for your SEP.
There’s also the Medicare Annual Enrollment Period (AEP). AEP runs from October 15 thru December 7 every year. Anyone who’s eligible can enroll in or switch their Medicare plan during AEP. That includes if you want to switch from just Original Medicare to a dual health plan.
Once you enroll, you don’t need to renew a dual health plan. As long as you stay eligible, your dual health plan will renew automatically each year. But you do need to recertify for Medicaid every year to stay qualified for a dual health plan.