Prepare for the 2025 Medicare Advantage Open Enrollment Period (MA OEP)

Change the way you receive Medicare coverage from January 1 to March 31, 2025.

Medicare Advantage Open Enrollment Period (MA OEP) allows Seniors enrolled in a Medicare Advantage plan to make a one-time change to the way they receive their Medicare benefits by the following:

  1. Switch to Original Medicare (Medicare Part A and Part B) and add a Medicare Part D (prescription drug) plan if desired

    Medicare Advantage plan → Original Medicare1

  2. Switch to a different Medicare Advantage plan*

    Medicare Advantage plan → Medicare Advantage plan

*with or without prescription drug coverage

Learn more about the differences between these choices.

If you have Original Medicare with or without Medicare Part D (prescription drug) coverage, you can’t make any changes to your Medicare coverage during MA OEP.

1 Seniors on Original Medicare can apply for a Medicare Supplement insurance policy to help pay for some of the costs Medicare doesn’t cover, such as deductibles and coinsurance.

Two ways New York Seniors can get Medicare coverage

Original Medicare
Medicare Advantage
  • Part A (hospital insurance)
  • Part B (medical insurance)
  • Part A (hospital insurance)
  • Part B (medical insurance)
  • Part D (optional prescription drug plan)
Additional coverage options:
Some plans include:
  • Medicare Supplement insurance policy (to help pay out-of-pocket costs)
  • Part D (prescription drug plan)
  • Vision, hearing, dental, etc.

Know the facts about New York Medicare coverage options

  • Learn the difference between Medicare coverage options.

    Medicare Supplement insurance policies and Medicare Advantage plans help pay for some out-of-pocket costs not covered by Original Medicare (Part A and B).

    Original Medicare
    with a Medicare Supplement insurance policy
    Medicare Advantage plan
    No network - choose any doctor, hospital, or specialist who accepts Medicare in the United States
    Coverage may be limited to the plan's provider networks
    Guaranteed renewable
    Not guaranteed renewable
    Choose any stand-alone Medicare Part D prescription drug plan
    Optional enrollment in prescription drug plan (most do, not all)
    Nationwide coverage
    Limited to local New York in-network providers

  • Explore which Medicare coverage options are available to you in New York.

    While Original Medicare (Part A and B) offers the same coverage in all 50 states, including New York, the availability of Medicare Supplement insurance policies, Medicare Advantage plans, and prescription drug plans varies by state. Check your New York coverage options.

  • Make an informed decision about your Medicare coverage.

    Medicare coverage is specific to your individual needs. Find a plan that takes your health, lifestyle, and needs into consideration.

Fast Fact...

By law in New York, Medicare Supplement insurance policies are guaranteed issue at any time throughout the year. Premium rate distinctions cannot be made because of health status, claims experience, medical condition, or whether the applicant is receiving health care services. Premiums may vary by geographic area.

Get one-on-one support from an insurance agent.

New York licensed insurance agents can help narrow down your Medicare coverage options based on your state, age, health, and lifestyle. While your coverage and needs may change year to year, an agent can help you through any Medicare enrollment period so your needs are met.

Additional Reading

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