2013 ANNUAL ENROLLMENT PERIOD

OCTOBER 15 - DECEMBER 7 For those of you, who are already Medicare Beneficiaries, the AEP is the designated time of year to choose the type of Medicare coverage you think will serve you best in 2013. If you have a Plan, you may keep it or switch to another Plan. You may switch to or from Original Medicare. You may keep or switch your Prescription Drug Plan. You may perhaps obtain a Medicare Supplement (also known as a "Med-Supp" or "Medi-Gap" Plan). Keep in mind that if, after January 01, 2013, you are not happy with a decision to enroll in a Medicare Advantage Plan (also known as Medicare Part C); then, you you may exercise your "buyer's remorse" by dis-enrolling from that Plan before mid-February 2013, and you must then only proceed with coverage in 2013 by Original Medicare and you must choose a Part D Prescription Drug Plan for which you will be granted an SEP (Special Enrollment Period).