The Medicare Annual Enrollment Period (AEP) or Election Period only happens once every year from October 15th to December 7th. For most beneficiaries this window may be the only time they can make changes to their Medicare or prescription drug coverage for the following year. However, if you have missed this enrollment deadline, Z-West Insurance Group wants you to know about some other options available to you.

Look into 5-star Medicare Plans in Your Area

The healthcare reform law of 2010 created a 5 star rating system for the performance of Medicare Advantage and prescription drug plans. The higher the stars, the better the care and performance of the plan. At Z-West Insurance we provide a number of excellent 5-star rated Utah Medicare Advantage plans. You are eligible for a Special Enrollment Period (SEP) from December 8th until November 30th of the following year that allows you to enroll in one of these plans. But, remember, this SEP can only be used once per year.

Look into Other Special Enrollment Periods (SEPs)

In addition to the 5-star plans, there may be other SEPs available to you. One of the following must be true in order for you to qualify for additional SEPs:

  • You have moved out of the service area of your existing plan.
  • You (and/or your spouse, for those filing jointly) have lost certain income or assets, allowing you to become a “dual-eligible” beneficiary being also enrolled in Medicaid.
  • You are eligible for the Extra Help program, or Low Income Subsidy (LIS).
  • You currently or are planning to reside in, or are moving out of a certain skilled nursing facility.

Opt for a Utah Medicare Supplement (Medigap) Plan

UT Medigap plans work with your Part A and Part B Medicare benefits to potentially cover medical costs not already covered. At Z-West Insurance, we specialize in these types of plans. So be sure to contact one of our experienced and knowledgeable agents to find out more. You can enroll at any time of the year, but your six-month Medigap Open Enrollment Period begins on the first day of the month that you turn 65 years and you must be enrolled in Medicare Part B.


There are several other exceptions to the Medicare AEP, so be sure to check with an agent about your options for Medicare and Medicare Supplement insurance. Click here or call Z-West Insurance Group today at (888) 733-5707.